大象起舞正当时:Fintech对小微企业融资的影响研究

Elephant Dance at that time:Research on the influence of Fintech on the financing of small and Micro Enterprises

在我国经济体系中,小微企业一直扮演着非常重要的角色。然而,这些企业却普遍存在着融资难问题。尽管近年来我国出台了多项政策鼓励金融机构支持小微企业发展,但是运行效果却并不乐观。随着中国金融技术水平的不断提升,小微企业所面临的资金短缺问题有了一定的改善。基于此,研究金融科技对小微企业融资的影响,了解其在小微企业发展中的深刻意义,并提出相应政策建议,从而促进小微企业的发展。

Small and micro enterprises have always played a very important role in the economic system of our country:Li Yimao (School of Economics and Management,Changsha University of Technology,Changsha 410076)has played a very important role in the financing of small and micro enterprises.However,these enterprises generally have the problem of financing.In recent years,China has issued a number of policies to encourage financial institutions to support the development of small and micro enterprises,but the operation effect is not optimistic.With the continuous improvement of financial technology in China,the shortage of funds faced by small and micro enterprises has been improved to a certain extent.Based on this,this paper studies the influence of financial science and technology on the financing of small and micro enterprises,understands its profound significance in the development of small and micro enterprises,and puts forward some corresponding policy suggestions,so as to promote the development of small and micro enterprises.