数字普惠金融模式下进一步破解中小企业融资约束研究——以安徽省为例

Research on Further Breaking the Financing Constraints of Small and Medium-sized Enterprises under the Digital Inclusive Finance Model——Taking Anhui Province as an Example

数字普惠金融模式的出现使中小企业发展迎来新机遇。但因企业优势不突出,管理有待加强;政策法规不健全,融资渠道受阻;信贷评估不科学,融资监管困难;区域发展不平衡,融资受惠面窄等问题,使安徽省部分中小企业依旧面临融资困境。基于此,提出完善政府统筹规划,优化企业融资环境;提升中小企业融资能力,强化内部结构调整;构建科学信贷体系,加强信贷信息互通;创新金融普惠服务,实现资金优化配置等数字普惠金融模式下进一步破解中小企业融资约束对策建议。

The emergence of digital inclusive finance model has brought new opportunities to the development of small and medium-sized enterprises.However,some small and medium-sized enterprises in Anhui Province still face financing difficulties due to inadequate business advantages and weak management,inadequate policies and regulations leading to blocked financing channels,unscientific credit assessments making financing supervision challenging,and imbalanced regional development resulting in limited access to financing.Based on this,the research proposes the following policy recommendations:improve government planning to optimize the business financing environment;enhance the financing capacity of small and medium-sized enterprises and strengthen internal structural adjustments;establish a scientific credit system and enhance credit information sharing;innovate inclusive financial services to achieve optimal fund allocation.