Distributed ledgers Enabling Application for sme Loans (DEAL)

分布式账本支持中小企业贷款申请（DEAL）

• 批准号: 98436
• 金额: $ 45.5万
• 依托单位: FRACTAL LABS LTD
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2021
• 资助国家: 英国
• 起止时间: 2021 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=98436
• 关键词: Distributed; ledgers; Enabling; Application; sme

**Vision**UK SMEs face a £29.3bn finance gap. Lenders struggle to assess SME finance applications due to complex, inter-linked issues. Issues include poor access to SME financial data, bespoke and manual SME Contracts and SME debt securitisation. Whilst lenders are investing in technology to assist financing for large organisations, they cannot for SMEs as SMEs are only average 2% of lenders' revenue, individual SME financing requests are too small and SME finance application assessment too complex.**Market**There is a £22.0bn global opportunity to provide SME finance assessment and securitisation to lenders.**Key Objectives**DEAL, an ambitious Industrial Research project by UK-based SME Fractal, will develop radical innovations and realistic exploitation plans addressing UK and global market demands for accurate, quick and cost-effective SME finance application assessment and securitisation.**Focus & Innovation**DEAL focuses on Industrial Research to prove the concept of innovative technology to address market issues.**Risk**DEAL's innovation and ambition makes the project technically and commercially risky. Risks have been minimised, with robust risk management and mitigation plans developed.**Team**Fractal has the necessary skills/experience to manage and complete this project successfully.**Value**DEAL has been carefully planned by Fractal's experienced technical and commercial team to maximise innovation, chance of project success. DEAL delivers UK-wide value-for-money and impact.

** 愿景 ** 英国中小企业面临293亿英镑的资金缺口。由于复杂的、相互关联的问题，贷款人很难评估中小企业融资申请。问题包括难以获得中小企业财务数据、定制和手工中小企业合同以及中小企业债务证券化。虽然贷款人正在投资技术以帮助大型组织融资，但他们不能为中小企业提供资金，因为中小企业平均仅占贷款人收入的2%，单个中小企业融资请求太小，中小企业融资申请评估太复杂。市场 ** 全球有220亿英镑的机会为贷款人提供中小企业融资评估和证券化。**主要目标 **DEAL是由英国SME Fractal发起的一个雄心勃勃的工业研究项目，将开发激进的创新和现实的开发计划，以满足英国和全球市场对准确、快速和具有成本效益的中小企业融资应用评估和证券化的需求。专注与创新 **DEAL专注于工业研究，以证明创新技术的概念，以解决市场问题。**风险 **DEAL的创新和雄心使该项目在技术和商业上都有风险。通过制定稳健的风险管理和缓解计划，风险已降至最低。**团队 **Fractal拥有成功管理和完成此项目所需的技能/经验。** Value**DEAL由Fractal经验丰富的技术和商业团队精心策划，以最大限度地提高创新和项目成功的机会。DEAL在英国范围内提供物有所值和影响力。