互联网经济的发展为云信用评价模式的构建带来了契机。在文献综述的基础上,梳理了科技型中小企业融资困境、信息缺失与信息不对称、云信用评价模式三者之间的逻辑关系,并分析发现现有科技型中小企业信用评价模式存在信息分散、数据来源单一、服务对象单一的不足。构建基于开放、共享、平等、效率的云创新理念,整合多样化海量信息,在大数据、云计算技术支撑下,通过信息共享机制和利益分配机制实现各类信用模块资源整合的云信用评价模式,能够有效解决科技型中小企业信用数据缺失问题,缓解资金供求双方的信息不对称,以满足科技型中小企业的融资需求并提高行业资金配置效率。

The development of the internet economy brings opportunity to build the cloud credit evaluation model. On the basis of literature review, we built the logic of relations among the financing difficulties of technological small and medium-sized enterprise, lack of information, the information asymmetry, and cloud credit evaluation model. And we found that the credit evaluation model of small and mid-sized enterprise has some problems, including scattered information, the single data source and single object. Cloud credit evaluation model is based on the cloud innovation concept which is open, sharing, equality and efficiency. That integrated huge amounts of information, with the support of big data and cloud computing technology, through the information sharing mechanism and benefit distribution mechanism to realize all kinds of credit model resources to be integrated. The model can effectively solve the problem that small and mid-sized enterprise is short of credit data, and ease the information asymmetry between supply and demand of funds, in order to meet the financing needs of small and mid-sized enterprise and improve the allocation efficiency of the industry.

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国家社科基金重大项目“科技型中小企业融资征信平台和数据库建设研究”（15ZDB157）；山东大学文科数据库项目“山东大学小微企业成长数据库”（HSSDB1503）。