金融科技缓解小微企业融资难问题研究

Financial Science and Technology to Alleviate the Financing Difficulties of Small and Micro Enterprises

小微企业融资难一直都是我国经济社会关注的热点问题,虽然近几年状况有所改善,但小微企业无论是内部还是外部环境都还存在巨大的挑战。"金融科技"的迅速发展为小微企业融资带来了更大的空间。文章从金融科技角度对小微企业融资问题进行了定性与定量分析,通过实证分析金融科技对社会融资规模与小微企业信贷的影响程度发现金融科技对社会融资规模有长期持久的影响力,对小微企业信贷规模的影响呈先负、后正的效应,波动幅度较大。针对存在的问题提出需要完善征信与担保系统、鼓励传统中小银行与金融科技合作、监管金融科技应用的对策建议。

The financing difficulties of small and micro enterprises in China have always been the focus of social concern. Although the situation has improved in recent years, there are still huge challenges in both the internal and external environment of enterprises. The rapid development of "fintech" has brought more space for financing small and micro businesses. This paper makes qualitative and quantitative analysis of financing problems of small and micro enterprises from the perspective of fintech. Through empirical analysis of the impact of fintech on the scale of social financing and the credit of small and micro enterprises, it is found that fintech has a long-term and lasting impact on the scale of social financing, and the impact on the credit scale of small and micro enterprises is negative first and positive later, with a large range of fluctuations. In view of the existing problems, this paper proposes some countermeasures and suggestions, such as improving the credit investigation and guarantee system, encouraging the cooperation between traditional small and medium-sized banks and fintech, and supervising the application of fintech.