Research On Operation Optimization Of Yantai Yeda Comprehensive Financial Service Platform

In recent years,in accordance with the decisions and arrangements of the Party Central Committee and the State Council,relevant state departments have issued a series of practical and effective financial support policies for financing small and micro enterprises,with remarkable results.Among them,the comprehensive financial service platform model has made a useful attempt to solve the financing problems of small and micro enterprises.On the basis of the existing research results,based on information asymmetry theory,transaction cost theory,long tail theory,using literature research method,in-depth interview method and questionnaire survey method,this paper studies the operation optimization of Yantai Yeda’s comprehensive financial service platform.The paper firstly sorts out the existing research achievements and research ideas at home and abroad,introduces the research background,purpose and significance,and expounds the main content,research methods and innovations.Secondly,it analyzes the operation status of Yantai Yeda’s comprehensive financial service platform,expounds the relevant concepts,theoretical basis,and platform status,and digs deep into the current problems of Yantai Yeda’s comprehensive financial service platform.,unreasonable credit evaluation,insufficient operational efficiency,and unsound security guarantees.At the same time,the factors affecting the operation of Yantai Yeda’s comprehensive financial service platform were identified,mainly including lack of unified standards,incomplete functions,lack of policy support,Data acquisition difficulties,lack of institutional guarantees,and lack of financial support are six aspects,and the causes of problems in Yantai Yeda’s comprehensive financial service platform are analyzed.The operation optimization plan of Yantai Yeda comprehensive financial service platform is designed again from six aspects: establishing credit evaluation system,improving platform system guarantee,optimizing sharing system standards,optimizing information collection scope,optimizing platform function modules,and consolidating platform security structure.Finally,the guarantee measures for the operation optimization scheme of Yantai Yeda’s comprehensive financial service platform are put forward from four aspects: policy guarantee,operation guarantee,investment guarantee and technical guarantee.