王湛晶

【摘  要】小微企业在我国经济市场中占据着越来越重要的地位，然而借贷困难一直是无法跨越的鸿沟。近年来，随着小微企业数量的增长，融资供给问题亟待解决。IPC技术引入国内已有10余年，虽然在个别省份的应用普及卓有成效，但由于缺乏专业系统的技术指导和制度引导，IPC借贷模式一直未能真正发挥其作用。论文首先介绍了IPC技术的应用特点，结合我国金融市场现状，分析了在引入IPC技术之后小微企业面临的优势与逆境，并提出针对性的解决对策。

【Abstract】Small and micro enterprises are playing an increasingly important role in China's economic market， but the difficulty of borrowing has always been an insurmountable gap. In recent years， with the growth of the number of small and micro enterprises， the problem of financing supply needs to be solved urgently. It has been more than 10 years since IPC technology was introduced into China. Although it has been applied and popularized effectively in some provinces， the IPC borrowing mode has not really played its role due to the lack of professional and systematic technical guidance and institutional guidance. This paper firstly introduces the application characteristics of IPC technology， combined with the current situation of China's financial market， analyzes the advantages and disadvantages faced by small and micro enterprises after the introduction of IPC technology， and puts forward targeted solutions.

【關键词】IPC技术;小微企业;融资

【Keywords】IPC technology; small and micro enterprises; financing

【中图分类号】F276.3;F832.4                                             【文献标志码】A                                                 【文章编号】1673-1069（2021）09-0090-03

1 IPC模式介绍及其特点

1.1 IPC微贷技术

IPC微贷技术起源于德国国际项目咨询公司，主要为小微企业提供针对性的借贷咨询服务，以评估客户偿还贷款的能力为技术核心，提供包括客户背景和信用度调查、经营财务状况分析、还债能力分析和选择抵押资产的一条龙服务（见图1）。由于其高效率、低成本的特点高度满足我国大量小微企业的融资需求，IPC微贷技术在我国有着广阔的发展前景，对我国经济发展和企业的发展有很大的推动作用。

1.2 IPC微贷技术特点

1.2.1 高效率和低成本的审贷流程

资料显示，我国小微企业的平均贷款金额每笔在4万元左右，单笔成本很小，所以IPC的绩效重点放在用户量的提高。面对金额小、周期短的密集业务，IPC设计了一套完备的信贷分析系统，以软硬信息为基础，对客户的偿债能力作出较为全面准确的评估。……