中小型跨境电商企业融资障碍及应对措施

Financing Obstacles and Countermeasures of Small andMedium-sized Cross-border E-commerce Enterprises

中小型跨境电商企业对我国国民经济的贡献逐年提升,对我国经济发展转型意义重大。随着互联网、大数据等数字技术愈发普及,各项政策利好不断推行,中小型跨境电商企业得到了快速成长,但其融资障碍日渐加剧。基于此,分析了我国中小型跨境电商企业融资现状,深入剖析了企业自身和外部环境两大层面融资障碍原因,结合当下实际状况,提出利用科技赋能融资过程,以缓解我国中小型跨境电商企业融资困难,助推中小型跨境电商企业健康发展。

With the increasing popularity of digital technologies such as Internet and big data,and the continuous implementation of various favorable policies,China’s small and medium-sized cross-border e-commerce enterprises have been growing rapidly.At the same time,the financing problems of small and medium-sized cross-border e-commerce enterprises are increasing.The contribution of small and medium-sized cross-border e-commerce enterprises to China’s national economy is increasing year by year,which is of great significance to China’s economic development and transformation.Based on this,this paper analyzes the financing status of China’s small and medium-sized cross-border e-commerce enterprises,deeply analyzes the reasons for the obstacles at the two levels of the enterprise itself and the external environment.Combined with the current actual situation,it puts forward the use of technology enabling financing process,so as to alleviate the financing difficulties of China’s small and medium-sized cross-border e-commerce enterprises and boost the healthy development of them.