小微企业线上融资风险与防范研究

对小微企业开展线上融资是金融机构贯彻落实国家发展普惠金融战略、扶持小微企业发展的重要措施。但在开展这项业务时,银行存在风险高、实际资金用途难以掌控、追债困难等风险。论文在分析小微企业线上融资风险产生的原因的基础上,提出金融机构可以采取构建小微企业数据平台和融资综合服务平台、建立负面清单、强化属地管理、积极探索风险分担补偿机制、加强金融机构人才队伍建设、尝试服务外包等措施进行有效防范。

Research on Online Financing Risk and Prevention of Small and Micro Enterprises

Online financing for small and micro enterprises is an important measure for financial institutions to implement the national development strategy of inclusive finance and support the development of small and micro enterprises.However,when carrying out this business,banks are faced with risks such as high risks,difficulty to master the actual use of funds,and debt recovery difficulties.Based on the analysis of the causes of online financing risk of small and micro enterprises,this paper puts forward that financial institutions can take effective measures to prevent it,such as building small and micro enterprise data platform and financing comprehensive service platform,establishing negative lists,strengthening territorial management,actively exploring risk sharing and compensation mechanism,strengthening the construction of financial institutions talent team,and trying to outsource services.