信息化转型背景下工业互联网对中小企业融资的影响研究

Research on the Influence of Industrial Internet on Financing of Small and Medium-sized Enterprises under the Background of Information of Transformation

本文从工业互联网应用角度,将中小企业融资困难的成因总结为信息化建设程度不高、产业融合发展程度有限和信用体系建设不全面,并从供给和需求两个角度,定性总结工业互联网对中小企业融资的影响机制,其中供给端影响机制为工业互联网金融服务促进中小企业信息化转型升级和产业融合发展,需求端影响机制为中小企业信息公开程度的提升,并提出针对性的建议。凭借工业互联网平台所收集的企业生产经营数据,依托工业互联网平台构建金融应用体系,可以有效实现企业和外部资金之间信息流和资金流的畅通,将外部资金顺利引入产业,加快产融结合,助力中小企业健康发展。

From the perspective of industrial Internet application,this paper summarizes the causes of small and medium-sized enterprises(SME)financing difficulties as low informatization construction degree,limited industrial integration and incomplete credit system construction.Furthermore,this paper qualitatively summarizes the mechanism of industrial Internet’s influence on SME’s financing from the perspective of supply and demand.Among them,the supply-side influence mechanism is that the industrial Internet financial services promote the informatization transformation and upgrading of SME and the integrated development of the industry,while the demand-side influence mechanism is that the improvement of the information disclosure degree of SME.This paper also puts forward targeted suggestions.With industrial enterprise production and management of data collected by the Internet platform,building a financial application system based on an industrial Internet platform the information flow and cash flow between the enterprise and external capital could be effectively achieved.Introducing external funding well into the industry,accelerating the integration of industry and finance,in order to boost the healthy development of SME.