Project background:

Small and medium-sized enterprises are an important part of the national economy and an important source of social innovation and employment. However, due to the problems of small scale, information asymmetry and lack of credit records, small and medium-sized enterprises face higher financing costs and lower financing success rate in the financing process, which seriously restricts their development and growth.

Customer pain points:

As a government department, a local financial supervision bureau hopes to promote information communication and trust establishment between SMEs and financial institutions by improving the level and coverage of SME credit reporting business, reducing the difficulty and cost of SME financing, and supporting SMEs Healthy development. however, the bureau faces difficulties and challenges in the following aspects:

Lack of a comprehensive understanding and analysis of the credit status and needs of local SMEs, making it difficult to formulate effective policy measures and service programs;

Lack of in-depth research and evaluation of the local credit reporting business market, it is difficult to grasp the market size, competitive landscape, development trends and other key information;

The lack of effective selection and management of local credit reporting service providers makes it difficult to ensure service quality, safety and sustainability.

Project purpose:

In order to solve the above problems, the Bureau commissioned Shangpu Consulting Company to carry out a research project on the financing difficulties of small and medium-sized enterprises based on credit reporting business, aiming to achieve the following purposes:

Through a large-scale questionnaire survey and interview of local small and medium-sized enterprises, collect and analyze their basic situation, financing needs, financing difficulties, credit awareness and other data, and form a comprehensive, accurate and objective report on the credit status of small and medium-sized enterprises;

Through the systematic combing and evaluation of the local credit reporting business market, grasp the key information such as market scale, competition pattern and development trend, and form an authoritative, professional and forward-looking market analysis report;

Through the comprehensive comparison and screening of local credit reporting business suppliers, the best quality, most suitable and most reliable partners are determined, and a reasonable, effective and operable cooperation plan is formulated.

Research object:

The research objects of this project mainly include the following two categories:

Local small and medium-sized enterprises: according to the definition of the National Bureau of Statistics 2, according to the annual operating income or the number of employees divided into micro-enterprises, small enterprises and medium-sized enterprises. This project plans to sample 1000 small and medium-sized enterprises in different industries, different scales and different development stages, and invite 100 representative small and medium-sized enterprises to conduct in-depth interviews.

Local credit reporting service providers: according to the classification of the People's Bank of China Credit Information Center 1, they are divided into individual credit reporting agencies and enterprise credit reporting agencies according to their service targets. The project plans to investigate all local credit reporting business suppliers with legal qualifications and business licenses, including state-owned, private, foreign and other institutions of different ownership, a total of 20.

Project Content:

The main contents of this project include the following aspects:

Research on the credit status of small and medium-sized enterprises: through the design and distribution of questionnaires, collect the basic situation of local small and medium-sized enterprises, financing needs, financing difficulties, credit awareness and other data, and carry out statistical analysis to form a report on the credit status of small and medium-sized enterprises. At the same time, some small and medium-sized enterprises are invited to conduct in-depth interviews to understand their cognition, attitude, needs and suggestions on credit reporting business, so as to provide reference for subsequent market analysis and cooperation programs.

Market analysis of credit reporting business: by collecting and sorting out relevant data and information of the local credit reporting business market, systematically combing and evaluating the market scale, competition pattern, development trend and other aspects, and combining the latest policies, technologies and cases at home and abroad to form an authoritative, professional and forward-looking market analysis report.

Screening of credit reporting business suppliers: Through a comprehensive comparison and screening of all local credit reporting business suppliers with legal qualifications and business licenses, from the scope of service, service quality, service price, service safety, and service sustainability Evaluate multiple dimensions, determine the best quality, most suitable, and most reliable partner, and formulate a reasonable, effective and operable cooperation plan.

Project Value:

The completion of this project will bring the following value to the customer:

Provide customers with a comprehensive, accurate and objective report on the credit status of small and medium-sized enterprises, help customers understand the financing needs and difficulties of local small and medium-sized enterprises, and provide data support for the formulation of relevant policies, measures and service plans;

To provide customers with an authoritative, professional, forward-looking credit reporting business market analysis report, to help customers grasp the market size, competitive landscape, development trends and other key information, in order to seize market opportunities and respond to market challenges to provide a basis for decision-making;

It provides customers with a reasonable, effective and operable credit reporting business cooperation plan, helps customers choose the best quality, most suitable and most reliable partners, and provides implementation guarantee for improving the business level and coverage of credit reporting of small and medium-sized enterprises.