小微民营企业数字金融融资风险的防范

The Risk Prevention of Digital Finance in Small-and-Micro Private Enterprises

在对小微民营企业数字金融环境进行分析的基础上,从资本的借贷市场双方对企业的数字金融应用进行系统的风险分析。研究揭示了互联网金融整顿的宏观环境下产生的企业面临数字金融跨行业垄断、互联网产品同质化的问题。数字金融监管日益严厉的同时,易产生创新制约的矛盾。为解决小微民营企业在数字金融融资中遇到的借贷风险问题,应当合理运用"资金池"模式和产业主导的供应链金融融资方式,依托政府政策完善安全平台建设、进行联保融资等措施达到有效规避垄断。

On the basis of the analysis on the digital financial environment of small and micro enterprises, enterprises＇ digital finance applications are analyzed systematically in its risks to the two sides of the capital lending market, which reveals that enterprises in the macro environment of Internet financial rectification are facing the problems of cross industry monopoly by Internet finance, and the homogenization of Internet products. The increasingly stringent regulation on Internet financial is likely to stress limitation on innovation. In order to cope with the borrowing risks en- countered by small and micro private enterprises in digital financing, it is suggested to use the ＂pool of funds＂ model and the financing conducted through the enterprise--led industry supply chain rationally, to improve the security plat form according to government policies, and to effectively avoid monopoly with joint insurance financing and other measures.