Original title: Breaking the credit barrier to improve financing convenience
The State Office recently issued the Implementation Plan for Overall Financing Credit Service Platform Construction to Improve the Financing Convenience Level of Small and Medium sized Micro Enterprises, which clearly proposed to strengthen the overall planning of financing credit service platform construction and improve the national integrated financing credit service platform network. This will help to break the barriers of cross sectoral, cross regional and cross hierarchical data sharing, and solve the problem of "dare not, can not, and unwilling to lend" of small, medium-sized and micro financial services of financial institutions, so as to improve the quality and efficiency of financial services to the real economy with credit empowerment.
Small, medium-sized and micro enterprises have long faced difficulties in financing and high financing costs. One important reason is the lack of collateral, the lack of basic credit information data, and a large number of small, medium-sized and micro enterprises have less credit record information or even complete credit white households. Therefore, the key to alleviating the difficulty and high cost of financing is to let credit information flow and increase the credit of small, medium-sized and micro enterprises.
In recent years, with the continuous promotion of social credit system construction, China has formed a "one center, multiple sources" financing credit information sharing service system. One center refers to the credit information center of the People's Bank of China, which provides financial credit information services; Multiple sources refer to the National Public Credit Information Center, local credit information platforms, market-oriented credit investigation institutions, etc. This credit information sharing service system has played an important role in promoting financial services for the real economy, especially for SMEs.
However, it should also be noted that a new "information island" has formed between departments, regions, levels, platforms and institutions. First, the public data between government departments is still not fully accessible. For example, the data of some vertical management departments can be collected vertically, but the public information data such as water, electricity and gas are scattered horizontally across various departments, increasing the difficulty of integration and sharing; Second, there is duplication of construction between different platforms, and data sources are scattered, sharing standards are not unified; Third, financial institutions "multi docking" various credit information platforms and data sources, which is costly and inefficient.
It is particularly important to effectively improve the financing convenience level of SMEs and break the information barrier. This needs to further improve the top-down top-level design and overall planning, and break the "information island" between various platforms. The Plan proposes that the integration of local financing credit service platforms with duplicate functions or inefficient operation and the improvement of the national integrated financing credit service platform network are the key to solving the problem of "lack of credit and information" in the financing of SMEs.
In the process of coordinating the construction of the financing credit service platform and improving the network of the national integrated financing credit service platform, we should deal with the relationship between quantity and quality, openness and security to achieve efficient integration, orderly circulation and safe sharing of credit information.
On the one hand, while expanding the data base, we should also strive to improve the quality and efficiency of credit information sharing, strengthen the collaborative governance of data quality, ensure the authenticity, accuracy and integrity of data, and improve data continuity and timeliness; On the other hand, while deepening the development and utilization of credit data, we should also focus on strengthening information security and protecting the rights and interests of information subjects. Security awareness should be strengthened in all links of data sharing, use, transmission and storage to prevent data leakage risks, which is an important prerequisite for the sustainable development of the national integrated financing credit service platform network. Supporting high-level financing credit services with high-quality data supply, giving better play to the role of data credit enhancement in serving the financing of small, medium-sized and micro enterprises, and promoting financial institutions to provide high-quality financial services are of great significance to smooth the virtuous circle between the financial system and the real economy.
