摘要
基于大数据的小微企业信用评级体系具有数据优势、成本优势和效率优势,互联网金融企业、第三方评级机构及传统商业银行纷纷开展了相关实践和探索。但目前基于大数据的小微企业信用评级体系仍不完善,应加强对小微企业信用数据的管理,完善基于大数据的小微企业信用评级指标体系和信用评级监管体系,以促进基于大数据的小微企业信用评级体系的构建。
The credit rating system of micro and small enterprises(MSEs)based on big data technology has advantages in data,cost and efficiency.Internet finance enterprises,the third-party credit rating agencies and traditional commercial banks have conducted related practices and explorations in succession.However,the credit rating system of MSEs based on big data technology is still not perfect.We should strengthen the management on the credit data of MSEs and improve the index and regulation systems of credit rating of MSEs based on big data technology,so as to promote the construction of credit rating system of MSEs based on big data technology.
作者
陈小梅
Chen Xiaomei(The Open University of Fujian,Fuzhou 350003,Fujian,China)
出处
《征信》
北大核心
2018年第10期27-31,共5页
Credit Reference
基金
福建省中青年教师教育科研项目资助(JAS150764)
关键词
大数据
小微企业
信用评级体系
big data technology
micro and small enterprises(MSEs)
credit rating system
作者简介
陈小梅(1979—),女,福建连城人,讲师,硕士,主要研究方向为农村经济与金融。
