数字金融助推企业数字化转型路径研究

On Enterprise Digital Transformation Path Promoted by Digital Finance

数字金融背景下的商业银行以新技术、大流量信息、平台化等为基本特征,其与企业之间的关系建立在大数据、信息透明化、运营智能化的基础上,其关系已经由过去的资金供给制、战略合作、双向选择的关系,演变并升华为融为一体、同死共生的银行与企业的生态圈。在数字经济新时代,大多数特别是中小微企业的数字化水平与商业银行的数字化水平不处于同一级别,这给数字金融下银企关系的融合设置了较大障碍,加快企业数字化转型既是企业适应数字经济发展的需要,更是构建和谐的银行与企业关系、实现最优的金融服务质量和金融资源配置的前提条件。因此,企业应着手实现线上平台化管理,主动拥抱银行数字金融管理平台;选准数字化突破口,率先实现财务信息数字化;全面引进数字化技术,并将其有机嵌入企业全流程业务中;统筹数字化管理,实现非财务信息的数字化。

The commercial banks under the background of digital finance are characterized by new technology,large amounts of information and platform,its relationship between the enterprise based on big data,information transparency,intelligent operation,are an organic whole and enterprise ecosystem.In the new era of digital economy,most of especial micro,small and medium enterprises accelerate the digital transformation of enterprises,which not only adapt to the needs of the development of digital economy,but also build a harmonious relationship between banks and enterprises,to achieve the optimal financial service quality and the premise of financial resources allocation. Therefore,enterprises should start to realize online platform management and actively embrace digital financial management platform of banks.Choose the right digital breakthrough,take the lead to realize the digitization of financial information;Comprehensively introduce digital technology and integrate it into the whole process business;Overall planning of digital management to realize the digitization of non-financial information.