大数据环境下的数据质押供应链融资模式研究

Research on Data Pledge Supply Chain Financing under Big Data Environment

摘要:

数据成为了大数据环境下金融服务的核心,对供应链金融提出了新的发展要求。本文针对中国大部分中小企业融资难、融资贵的问题,研究 “数据质押”这一新型供应链融资模式,界定数据质押的概念内涵,建立协同运作模型,介绍主要融资步骤。最后,依托LED产业服务平台,构建融资生态系统,介绍“数据质押”融资模式的运作流程。本文认为,该模式能够实现数据的互联互通,促使融资参与主体形成共享利益风险的机制,降低风险指数,改善银企信息不对称,提高融资效率,降低银企双方交易成本,优化金融资源配置,有效解决中小企业外源性融资难题。

Abstract:

Data has become the core of financial services under big data environment, which proposed new development requirements to supply chain finance. Aim at financing problems of most Chinese SMEs , this paper studies a new supply chain financing pattern —— "Data Pledge", defines the concept of data pledge, establishes a cooperative operation model to describe the major financing step of data pledge. Finally, relying on the LED industry service platform, paper develops a financing ecosystem and describes the operational processes of data pledge financing pattern. This paper believes that data pledge can achieve interconnecting and interworking of data, prompt SMEs and other financing participants to form a mechanism of sharing the benefits and risk, lower the risks. This pattern also can solve information asymmetry between SEMs and banks, dilute the examination of banks for SMEs, improve financing efficiency, reduce transaction costs and optimize the allocation of financial resources, it’s an effective solution to the exogenous financing problems of SMEs.