数字普惠金融视角下中小微企业融资困境及对策研究
摘 要
随着数字技术的飞速发展，数字普惠金融作为金融创新的重要方向，正逐步改变着传统金融服务的格局。中小微企业作为国民经济的重要组成部分，在促进经济增长、增加就业等方面发挥着不可替代的作用。本文旨在探讨数字普惠金融视角下中小微企业的融资困境及对策。首先，概述了数字普惠金融理论和中小微企业融资理论，分析了数字普惠金融与中小微企业融资之间的内在联系。随后，阐述了数字普惠金融在降低中小微企业融资成本、提高融资效率等方面的重要性。然而，中小微企业在享受数字普惠金融便利的同时，也面临着信息技术应用不足、数据孤岛、风险评估难度大、政策滞后性等融资困境。针对这些问题，本文提出了加强信息技术应用与培训、完善数据共享与隐私保护机制、优化风险评估与信用体系、加强政策支持与监管引导等对策。通过深入分析和实证研究，本文旨在为中小微企业在数字普惠金融环境下破解融资困境提供理论支持和实践指导。
关键词：数字普惠金融 中小微企业 融资困境
Abstract
With the rapid development of digital technology, digital inclusive finance, as an important direction of financial innovation, is gradually changing the pattern of traditional financial services. As an important part of the national economy, micro, small and medium-sized enterprises play an irreplaceable role in promoting economic growth and increasing employment. This paper aims to discuss the financing difficulties and countermeasures of small, medium and micro enterprises from the perspective of digital inclusive finance. Firstly, the theory of digital inclusive finance and the financing theory of mSMEs are summarized, and the internal connection between digital inclusive finance and MSMEs financing is analyzed. Subsequently, the importance of digital inclusive finance in reducing the financing cost and improving the financing efficiency of micro, small and medium-sized enterprises is expounded. However, while enjoying the convenience of digital inclusive finance, micro, small and medium-sized enterprises are also faced with financing difficulties such as insufficient application of information technology, data island, difficulty in risk assessment, and policy lag. In view of these problems, this paper puts forward some countermeasures, such as strengthening the application and training of information technology, improving the data sharing and privacy protection mechanism, optimizing the risk assessment and credit system, and strengthening the policy support and regulatory guidance. Through in-depth analysis and empirical research, this paper aims to provide theoretical support and practical guidance for micro, small and medium-sized enterprises to solve the financing difficulties in the digital inclusive financial environment.
Keywords:Digital financial inclusion micro, small and medium-sized enterprises financing difficulties
目 录
1 引言 1
2 相关理论概述 1
2.1 数字普惠金融理论 1
2.2 中小微企业融资理论 2
2.3 数字普惠金融与中小微企业融资的关系 2
3 数字普惠金融对中小微企业融资的重要性 2
3.1 降低融资成本 2
3.2 提高融资效率 3
4 中小微企业在数字普惠金融视角下的融资困境 3
4.1 信息技术应用不足 3
4.2 数据孤岛现象 4
4.3 风险评估难度大 4
4.4 政策滞后性 4
5 中小微企业融资困境的对策 5
5.1 加强信息技术应用与培训 5
5.2 完善数据共享与隐私保护机制 5
5.3 优化风险评估与信用体系 6
5.4 加强政策支持与监管引导 6
6 结论 7
致 谢 8
参考文献 9
