中小企业融资难的主要原因是对其信用的质疑。税务系统可以向银行提供中小企业信用状况。在大数据技术的介入下,高维海量数据的实时信用评价成为了现实。通过大数据技术建立信用预警模型与体系,向银行提供中小企业信用评估与风险预警,降低银行贷款风险,提高中小企业融资效率。 The main reason for the difficulty of SME financing is the question of its credit. The tax system can provide banks with SME credit status. With the intervention of big data technology, real-time credit evaluation of high-dimensional massive data has come true. By means of big data technology, we established a credit early warning model and system to provide SMEs credit assessment and risk warning to banks, reduce the risk of bank loans and improve the financing efficiency of SMEs.