Distributed ledgers Enabling Application for sme Loans (DEAL)

**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，贷款机构难以评估中小企业的融资申请。问题包括难以获得中小企业财务数据、定制和手动的中小企业合同，以及中小企业债务证券化。虽然贷款机构正在投资技术来帮助大型组织融资，但他们不能为中小企业投资，因为中小企业平均只占贷款机构收入的2%，个别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**向贷款机构提供中小企业融资评估和证券化的全球机会高达220亿英镑。**主要目标**DEAL是英国SME Fractal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。DEAL的创新和野心使得该项目在技术和商业上都存在风险。通过制定强有力的风险管理和缓解计划，风险已降到最低。**团队**Fractal有必要的技能/经验来成功地管理和完成这个项目。**价值**交易已由分形的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，项目成功的机会。DEAL在英国范围内提供物有所值和影响。

**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.