数字金融对企业金融化的影响及应对策略

Research on the Impact of Digital Finance on Corporate Financialization and Countermeasures

以数字金融发展为切入点,基于企业配置金融资产的预防性储蓄动机和逐利性动机,从理论上探究数字金融的发展对企业金融化的影响。基于数字金融抑制企业金融化这一观点,从企业和政府两个视角提出相关建议,旨在合理利用数字金融这一发展利器,充分发挥其优势,在规范企业金融化趋势的同时,促进企业与金融市场的稳定与发展。

Taking the development of digital finance as the starting point,based on the precautionary saving motivation and profit-seeking motivation of enterprises in allocating financial assets,the impact of the development of digital finance on the financialization of enterprises is theoretically explored.Based on the view that digital finance inhibits the financialization of enterprises,this paper will put forward relevant suggestions from the perspectives of enterprises and governments,aiming to make reasonable use of digital finance as a development tool,give full play to its advantages,and promote the stability and development of enterprises and financial markets while regulating the trend of enterprise financialization.