"At present, the biggest problem that causes financing difficulties for small and micro enterprises and' agriculture, rural areas and farmers' is information asymmetry. The key to solve this problem is to take measures to realize information interconnection. In the context of big data, further improve the credit enhancement database. " Lu Zhengwei, chief economist of Industrial Bank, said in an interview with a reporter from Securities Daily.

"Take Internet finance as an example. Many internet finance companies claim that they can lend money quickly in a few seconds, but this kind of lending does not mean that as long as you look for him, he will lend you money. " Political commissar Lu said, first of all, his target audience is the member users in his own website. Because members have long-term credit records, with the basic information and personal situation of these members, they are not too worried about the problem of running orders. "And this credit record refers to the credit enhancement database, so to solve the problem of financing difficulties, the most fundamental thing is to solve the problem of information asymmetry."

Another expert believes that solving the financing problem of small and micro enterprises is a step-by-step process and cannot be achieved overnight. Under the background of policy first, in order to solve the financing difficulties of small and micro enterprises and "agriculture, countryside and farmers", the government needs to further enhance the operability of macro policies.

Zhao Xijun, deputy director of the Institute of Finance and Securities of Renmin University of China, said in an interview with Securities Daily that "at present, the financing channels of small and micro enterprises are mainly through bank loans or issuing bonds. For small and micro enterprises, these two financing channels are facing the pressure of paying interest and repaying the principal at maturity. If the enterprise fails to repay the principal and interest within the specified time, it will face the risk of default. This move has undoubtedly increased the financing difficulty of small and micro enterprises and' agriculture, rural areas and farmers'. "

Zhao Xijun said that to solve the financing difficulties of small and micro enterprises, we should not only reduce the loan interest of such enterprises, but also make full use of the capital market as a direct financing channel. Because compared with loans, equity financing has no problems such as interest payment and term constraint.

The above is what Bian Xiao shared with you about using big data to solve the problem of information asymmetry. For more information, you can pay attention to Global Ivy and share more dry goods.