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近年来,银行以大中企业为主的传统信贷模式难以适应小微企业的信贷需求,特别是在经济周期下行,部分地区部分行业结构性矛盾凸显,全国各地因民营企业主诚信问题引发银行信贷资产质量安全的事件时有发生。在当前互联网金融的大背景下,通过对互联网背景下获取信息的优势进行分析,研究发现民营企业信用状况的“软信息”某些情形下更为重要,提出把互联网作为获取软信息的核心思路、把企业软信息在信贷审批中所对应的权重系数或重要程度作为获得信贷审批的关键等软信息运用建议。
In recent years, the traditional credit model of banks focusing on large and medium-sized enterprises is difficult to meet the credit demand of small and micro enterprises. Especially in the downward economic cycle, the structural contradictions in some industries in some regions have become prominent. Bank credit has been triggered by the integrity of private entrepreneurs in various parts of the country. Asset quality and safety events have occurred. In the current background of Internet finance, through the analysis of the advantages of access to information in the context of the Internet, it is more important to find out that “soft information” of the credit status of private enterprises is more important under certain circumstances. It is proposed to use the Internet as a means of obtaining soft information The core idea of the enterprise soft information in the credit approval of the corresponding weight coefficient or importance as the key to obtaining credit approval and other soft information to use the proposal.