{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","title":"数字经济：内涵与路径","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787521745023","requested_by":"printed_page","book":{"source_type":"original_book","book_id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","uuid":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","title":"数字经济：内涵与路径","normalized_title":"数字经济内涵与路径","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787521745023","isbns":["9787521745023"],"parsed":true,"ai_readable":true,"document_type":"book","page_count":361,"navigation_url":"https://workshop.closeclaw.top/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f","title_url":"https://workshop.closeclaw.top/ai/title/%E6%95%B0%E5%AD%97%E7%BB%8F%E6%B5%8E%EF%BC%9A%E5%86%85%E6%B6%B5%E4%B8%8E%E8%B7%AF%E5%BE%84","fixed_page_url_template":"https://workshop.closeclaw.top/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/07d591c2-0f4c-45ac-a1d7-103c4807db8f","page_url":"https://workshop.closeclaw.top/api/ai/books/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page","search_url":"https://workshop.closeclaw.top/api/ai/books/07d591c2-0f4c-45ac-a1d7-103c4807db8f/search"},"page":{"printed_page":246,"pdf_page":245,"physical_index":245,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"5b7e235613eff0156ca1078bb0ead02029a363654bc4847e67105ce9c60279d9"},"chapter":"第七章","content":"为解决这一问题，多年来，从中央到地方，各级政府出台了一系列政策措施；从金融界到科技圈，许多机构和企业做了大量的探索。但问题依然存在，主要在于风险控制的技术性原因上。此前，过往的风控技术的限制以及技术限制导致的风控理念的限制，即过分依赖主体信用，金融机构天然地倾向于贷款给安全度高、风险度低的大企业。对大多数中小企业而言，由于金融机构缺少一手客观数据，对中小企业的经营情况难以掌握，底层资产难以穿透，真实贸易背景难以确认，传统的“供应链金融”模式试图通过核心企业对上下游中小企业的确权、增信来解决问题，但由于激励机制的缺乏，真正被核心企业惠及的中小企业只是产业链上很小的部分。\n\n幸运的是，随着第四次工业革命的到来以及产业互联网的发展，5G、物联网、区块链、人工智能、云计算、大数据等数字技术的集成应用，数字技术赋能下的全新“数据”具备较强的金融属性，为产业金融风控的技术和理念创新提供了可能。\n\n（二）我国产业金融的发展历程\n\n246","previous_page":245,"next_page":247}