摘要
影响银行动产抵押业务发展的核心因素,是银企之间的信息不对称,没有相对独立的第三方为银行提供准确的信息。而通过物联网将银行风险管理、企业生产经营和商品交易流通等进行融合,能够从根本上消除或弱化传统动产抵押的瓶颈,推动金融服务和风险管理创新。中货公司通过对企业生产经营、货物变化等信息进行动态化监测、过程化管理,为银行提供金融信息服务,有效缓解银企信息不对称,可以作为中小企业增信、发展普惠金融的一种有效途径。
The core factor affecting the development of bank movable property mortgage business is the information asymmetry between banks and enterprises. There is no relatively independent third party to provide accurate information for banks. The integration of bank risk management,enterprise production and operation and commodity trading circulation through the Internet of Things can fundamentally eliminate or weaken the bottleneck of traditional movable property mortgages and promote financial services and risk management innovation. Through the dynamic monitoring and process management of information on production and operation,changes in goods,etc.,the Chinese Goods Company provides financial information services to banks, effectively alleviating the asymmetry of information between banks and enterprises,and can serve as an effective way for SMEs to increase their trust and develop inclusive finance.
引文