科技金融赋能小微企业融资:影响机制与应对策略研究

Financing of Small and Micro Enterprises Empowered by Science and Technology Finance:Research on Influencing Mechanism and Coping Strategies

国内经济市场领域范围内,小微企业扮演者极其重要的角色,其和个体工商户一起作为国内经济运行的“毛细血管”,小微企业及个体工商户合计数量超过10800万,在整个国内市场主体占比超80%。小微企业融资难、融资贵的现状普遍存在,科技金融作为金融创新及科技创新的深度融合,对其加以合理化运用,能够较为有效的缓解小微企业的融资问题,助力小微企业的高质量发展。本文主要结合小微企业融资发展现状,分析科技金融在小微企业融资过程中的影响和策略,希望能为小微企业融资发展提供支持。

Within the scope of the domestic economic market,small and micro enterprises play an extremely important role,and together with individual industrial and commercial households,they serve as the"capillaries"of domestic economic operation,with the total number of small and micro enterprises and individual industrial and commercial households exceeding 108 million,accounting for more than 80%of the entire domestic market entity.As a deep integration of financial innovation and technological innovation,science and technology finance can effectively alleviate the financing problems of small and micro enterprises and help the high-quality development of small and micro enterprises.Based on the current situation of the financing development of small and micro enterprises,this paper analyzes the impact and strategies of science and technology finance in the financing process of small and micro enterprises,hoping to provide support for the financing development of small and micro enterprises.