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大陆是台湾最大的投资贸易伙伴,福建是台商的主要投资集中地之一。台资进入大陆30多年来,中小台企在大陆银行贷款融资难的问题一直未得到良好解决。该文从当前海峡两岸经贸合作现状出发,以在福建投资的中小台资企业为研究对象,分析其在大陆融资难的原因,提出现阶段可由大陆政府牵头,利用大数据技术,通过扩大征信信息采集范围等措施,建立综合信息共享平台,以化解因信息不对称导致的融资难问题,并提出平台设计框架。该框架不仅有助于解决中小台资企业融资难问题,也为完善国内现有的信息共享平台提供借鉴。
The mainland is Taiwan’s largest investment and trading partner and Fujian is one of the major investment hubs for Taiwanese businessmen. For more than 30 years since Taiwan-funded enterprises entered the mainland, the difficulty of small and medium-sized Taiwan enterprises lending financing to the Mainland has not been well resolved. Based on the current economic and trade cooperation between the two sides of the Taiwan Strait, this paper analyzes the reasons why small and medium-sized Taiwanese-funded enterprises invest in Fujian are difficult to finance in mainland China. It suggests that at this stage, the mainland government can take the lead, make use of big data technology, Information collection scope and other measures to establish a comprehensive information sharing platform to resolve the financing difficulties caused by asymmetric information and put forward the platform design framework. This framework not only helps to solve the financing difficulties of small and medium-sized Taiwanese-funded enterprises, but also provides reference for improving the existing information sharing platform in China.