Alternative data transforming SME finance
Alternative data transforming SME finance
复制标题
另类数据改变中小企业融资
DOI：
--
复制
发表时间：
2017
期刊：
影响因子：
--
通讯作者：
L. Wilhelm
中科院分区：
文献类型：
--
作者：
John Owens;L. Wilhelm
融资渠道仍然是微型、小型和中型企业（SME）生存、增长和生产力的最重要制约因素之一。事实证明，中小企业信贷缺口是发展中市场和发达市场的一个持久的结构性特征，即使是在已经制定了各种政策措施支持中小企业和更广泛地增强金融包容性的国家也是如此。在世界发展中市场，估计有 4 亿中小企业1，其中约一半（即 180 至 2.2 亿中小企业）仍有未满足的信贷需求总计 2.1 至 2.6 万亿美元。信贷缺口是需求方和供给方问题共同造成的。许多中小企业不愿意寻求或无法获得信贷，原因是： 大量的财务文件和获得贷款的抵押品要求；高成本和利率；和多周的决策时间表。中小企业财务数字化以及利用交易和替代数据为解决这个问题的两个方面提供了机会。因此，本报告广泛关注中小企业贷款的数字数据，其中包括传统数据（银行、会计、交易和销售数据）以及替代数据（在线排名和社交媒体、移动和个人数据，例如心理测试）的新用途。本报告指出了替代数据越来越多地用于扩大中小企业融资渠道的前景。它还探索了一些新的运营模式和新一代的中小企业数字借贷发起人。它还着眼于利用替代数据和交易数据的合作伙伴关系。报告最后列出了政策制定者和监管机构需要了解的潜在领域，以增强中小企业获得融资的机会。
Access to financing remains one of the most significant constraints to the survival, growth, and productivity of micro, small, and medium enterprises (SMEs). The SME credit gap has proven to be an enduring structural feature across both developing and developed markets, even in countries that have enacted a variety of policy measures to support SMEs and enhance financial inclusion more broadly. In the world’s developing markets, about half of the estimated 400 million SMEs,1 or 180 to 220 million SMEs, still have unmet credit needs totaling US$2.1 to US$2.6 trillion. The credit gap results from both demand and supply side problems. Many SMEs are reluctant to seek or cannot access credit due to: the reams of financial documentation and collateral requirements for obtaining a loan; high costs and interest rates; and multi-week decision timeframes. Digitizing SME finance and making use of transactional and alternative data offer an opportunity for addressing both sides of this problem. Therefore, this report focuses broadly on digital data for SME lending which includes new uses of both traditional data (bank, accounting, transactional, and sales data) as well as alternative data (online ranking and social media, mobile, and individual data, such as psychometric testing). This report identifies the landscape of alternative data being increasingly used to expand access to SME finance. It also explores some of the new operating models and the new breed of SME digital lending originators. It also looks at collaborative partnerships that are harnessing alternative and transactional data. and the report concludes by listing potential areas that policymakers and regulators need to understand in order to enhance SME access to finance.