关于数字技术钳入小微金融发展的路径研究

Research on the Development Path of Digital Technology in Small and Micro Finance

小微企业在我国经济发展中发挥着重要作用,然而"融资难,融资贵"问题一直限制着小微企业的快速发展。数字技术凭借其技术优势能有效解决传统金融机构在开展小微金融上的不足。因此,文章以小微企业融资需求与现状、小微金融发展不足问题为基础,研究了数字技术在助力小微金融上的优势、数字技术在小微金融上的运用及加快小微金融数字化的路径。

The small and micro enterprises play an important role in the economic development of China. However, the problem of "difficult financing and expensive financing" has been restricting the rapid development of small and micro enterprises in China. Digital technology can effectively solve the problem of deficiency of traditional financial institutions in developing small and micro finance by virtue of its technical advantages. Therefore, based on the analysis of financing needs, present situation and the shortage of development of small and micro enterprises,this paper analyzes the strength of digital technology, the use of digital technology and the digitization path of how to speed up the development of small and micro finance.