Research On The Business Model Of "Dashu Financial Services" Outsourcing Credit Factory

Small and medium-sized enterprises(SMEs)play an important role in the economic development of our country,which has created a great deal of social wealth and promoted employment.In recent years,China's economic situation is still relatively grim,enterprises face complex problems and contradictions,the operating costs of various enterprises,especially labor costs,but there is no competitive advantage in product prices,leading to difficulties in the operation of enterprises.In addition,in order to implement a sound monetary policy,the People's Bank of China is exercising control over non-differentiated credit index and enterprises have relatively difficult access to credit funds from commercial banks.It is such a large group of social enterprises that it is very difficult to obtain funds from banks to run the enterprises under the condition of tightening the loan scale.Based on this situation,China has implemented more policies and regulations for the development of small and medium-sized enterprises,gradually alleviated the financing difficulties brought to small and medium-sized enterprises under the new economic normality,promoted and supported commercial banks to provide loans to small and medium-sized enterprises,and allowed businesses should outsource certain credit business,many banking service companies emerged.Through the process innovation,the introduction of the relevant data-based wind control technology "Tarsus" in the "outsourcing credit factory" business model has formed a certain scale,has become the current effective handling of small and medium-sized enterprises financing difficulties,worthy of in-depth research.Through the process innovation,the import of the digital wind control technology has formed a certain scale in the construction of the business model of the outsourcing credit factory,which has become a bright spot for us to deal effectively with the financing difficulties of the small and medium-sized enterprises.It isconcluded that the outsourcing credit factory is an effective business model to solve the problem of financing for micro-enterprises.