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小微企业向小额贷款公司及民间贷款时通常成本较高且风险大,向银行贷款时由于信用体系的不完善引发的信息不对称导致银行惜贷。可见,建立征信数据库和信用评价机制是解决小微企业融资困境的重要手段。而随着云计算、移动互联网技术的广泛应用,笔者认为,可通过建立基于云会计的小微企业融资管理平台(以下
Small and micro enterprises usually have higher costs and higher risks when they loan to small loan companies and private companies. When lending to banks, information asymmetry caused by imperfections in the credit system leads to bank reluctance to borrow. Visible, the establishment of credit information database and credit evaluation mechanism is an important means to solve the financing difficulties of small and micro enterprises. With the widespread use of cloud computing and mobile Internet technologies, the author believes that a small and micro enterprise financing management platform based on cloud accounting can be established (below