中小微企业融资的困境与对策

Difficulties and Countermeasures of Small,Medium and Micro Enterprises′Financing

新冠肺炎疫情影响下,我国中小微企业复工复产中存在流动资金短缺、融资需求得不到及时满足、生产经营负担重和抗风险能力弱等困难。数字金融具有“无接触式”服务和便利高效等优势,其能在一定程度上为中小微企业拓宽融资渠道,以低成本、高效率的方式助推其快速复工复产,而且能倒逼中小微企业不断加快数字化转型步伐,提高自身的融资能力。因此,数字金融是新冠肺炎疫情下中小微企业融资的必然选择。

Under the influence of the COVID-19,China′s small medium and micro enterprises are faced with such difficulties as the shortage of working capital,the lack of timely financing needs,the heavy burden of production and operation,and the weak ability to fight risks in their resumption of work and production.Digital finance has the advantages of“contactless”service,convenience and efficiency.It can expand financing channels for small,medium and micro enterprises,to a certain extent,boost their rapid resumption of work and production in a low-cost and efficient way,and force small,medium and micro enterprises to continuously accelerate the pace of digital transformation and improve their financing capacity.Therefore,digital finance is the inevitable choice of small,medium and micro enterprises financing under the COVID-19.