The difficulty,high cost,and slow financing of small and medium-sized enterprises have always been a challenge for the healthy development of small and medium-sized enterprises in China. In recent years,although the government has provided numerous policy support to small and medium-sized enterprises in Hainan Province,due to various geographical and external factors,the difficulty and high cost of financing are more prominent compared to those outside the island. Traditional supply chain financing is difficult to solve the funding problem of small and medium-sized enterprises,as it requires credit reporting from trading entities and fixed business relationships. Traditional supply chain financing needs to move from interpersonal trust to digital trust,digitizing and informationizing the business operations of enterprises to truly,objectively,and comprehensively reflect the status of supply chain operations and the role of various business entities in them. However,neither the supply chain financing model dominated by core enterprises nor the"1+N"supply chain financing model dominated by logistics enterprises has reduced the financing costs of enterprises. But with the innovation of digital technology represented by big data and artificial intelligence,fully utilizing the computing and analytical capabilities of artificial intelligence based on data has become an effective way to truly solve the problem of"difficult and expensive financing".
关键词
大数据/中小微企业/供应链/融资模式/海南省
Key words
big data/Small and medium-sized enterprises/Supply chain/Financing mode
万方数据