摘要：中小企业是各国经济增长的重要部门，中小微企业融资难、融资贵一直是世界性的难题。但近年来，由于科技的发展，数据网络的扩张，大数据征信体系的建立，这一难题逐渐找到了破解的路径。本文将研究美国成熟的大数据征信体系, 与我国目前的发展情况进行对比，并结合

ZestFinance 公司进行案例分析。 

关键词：中小企业 大数据征信 企业融资

 

目 录

摘 要

Abstract

Contents

1Introduction-1

2The Definition of SMEs and its Importance to National Economic Development-2

3Current Financing Status of SMEs and the Big Data Credit Reporting System in China and America-4

3.1The Financing Status of Chinese and American SMEs-4

3.2Chinese Countermeasures Against Financing Difficulties for SMEs and Their Limitations-8

3.3The Necessity of the Big Data Credit Reporting Development-8

3.4The Current Situation of Chinese and American Big Data Credit System-10

3.5Deficiencies of Chinese Big Data Credit Reporting System in Supporting SMEs Financing-12

4Case Study of ZestFinance-13

4.1Case Overview-14

4.2Analysis of ZestFinance’s Big Data Credit Model-15

4.2.1Big data Collection technology-16

4.2.2Big Data Analysis Models-17

5Enlightenment From the American SMEs-Supportive Big Data Credit System-20

5.1Building a Shared Data Source-20

5.2Using Information on the internet and Strengthening Data Analysis .21

5.3Cultivate Diversified Credit Collection Agencies-21

5.4Build a Multi-Party Credit Operation Model-22

6Summary-24

Reference-25

Acknowledgement