科技型小微企业成长的“困”与“解”:金融科技视角

The "Difficulties" and "Solutions" in the Growth of Small and Micro Technological Enterprises: From the Perspective of Financial Technology

科技型小微企业的成长面临着融资难、政策支持体系和扶持力度偏弱、自身创新能力不足、盈利能力和抗风险能力薄弱等现实问题,而依托于大数据、云计算、人工智能、区块链等技术的金融科技为科技型小微企业成长从模式、数据、模型和场景四个层面提供了可能的解决方案。大数据和云计算技术在破除信息不对称性、提高风险管控能力、降低融资成本和提升资源配置效率方面发挥重要作用,而人工智能和区块链技术的应用有助于金融服务场景的变革和渠道的拓宽及金融服务质量的深化。最后,文章基于金融科技视角,从依托政府政策支持体系来搭建有利于科技型小微企业成长的体制机制;依靠金融科技对金融业态的改造,加快金融机构转型升级来激发金融对科技型小微企业成长的支持力度;通过金融科技对科技型小微企业自身的功能性触动,来提升企业盈利能力和抗风险能力三个层面提出了化解科技型小微企业成长现实问题的策略建议。

The growth of small-scale technology-based enterprises is facing many difficulties,including financing,the weak policy support,the lack of innovation ability and the ability to resist risks. The financial technology provides possible solutions. Big data and cloud computing technologies play an important role in breaking information asymmetry,improving risk management and control ability,reducing financing costs,and improving the efficiency of resource allocation. The application of artificial intelligence and block-chain technology can help reform the financial service scenarios,expand channels and enhance financial service quality. Finally,this paper puts forward three strategic proposals to resolve the problems in the growth of small and micro enterprises from the perspective of financial technology: build an institutional mechanism conducive to the growth of small enterprises based on the government policy support system;stimulate the finance institutions to support the small technological enterprises through the transformation and upgrading of financial institutions based on the reform of the finance resulted from financial technology;enhance the enterprises' profitability and antirisk ability by the reform of the functions of small and micro technological enterprises caused by financial technology.