A Study on the Mitigating Effect of Big Data Credit Reporting on Financing Constraints of Small and Micro Enterprises Enterprises

DOI

10.2991/978-94-6239-787-3_65How to use a DOI?

Keywords

Big data credit reporting; Small and micro enterprises; Financing constraints

Abstract

Small and micro enterprises (SMEs) have long faced challenges including insufficient credit supply, unbalanced financing structure and high financing costs. Information asymmetry and structural flaws in the traditional credit reporting system are the core causes. Traditional credit reporting features limited coverage, a single evaluation dimension and delayed information updates. It fails to adapt to SMEs’ operational traits and perpetuates credit rationing. Based on information asymmetry and credit rationing theories, this paper systematically analyzes the internal mechanism of big data credit reporting for alleviating SMEs’ financing constraints. The results show that big data credit reporting addresses the drawbacks of traditional credit reporting via four paths: incremental information supplementation, improved risk identification accuracy, dynamic monitoring and reputation constraints, thereby boosting SMEs’ credit availability. Currently, big data credit reporting still faces practical challenges including data islands, flawed authorization mechanisms, algorithmic discrimination and data security risks. Accordingly, this paper proposes optimization paths covering data sharing, credit business transformation, algorithm supervision and credit cultivation, providing practical references for the digital transformation of credit reporting systems and the development of small and micro inclusive finance.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Xinyu Ye
PY  - 2026
DA  - 2026/09/29
TI  - A Study on the Mitigating Effect of Big Data Credit Reporting on Financing Constraints of Small and Micro Enterprises Enterprises
BT  - Proceedings of the 2026 4th International Conference on Management Innovation and Economy Development (MIED 2026)
PB  - Atlantis Press
SP  - 648
EP  - 655
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-787-3_65
DO  - 10.2991/978-94-6239-787-3_65
ID  - Ye2026
ER  -