数字供应链金融破解小微融资价格贵的路径研究

Research on the solutions of digital supply chain finance to address the high financing price of small and macro enterprises

破解小微融资价格贵是当前金融服务亟待解决的重要课题。目前,中国小微企业仍然存在“小本经营”导致融资价格贵、“微不足道”强化融资价格贵、“同等待遇”加剧融资价格贵等难题。以上海银行为例,探究了数字供应链金融有效破解小微融资价格贵的基本路径,即构建数字供应链金融生态圈、拓宽核心客户服务边界、数字化赋能全业务流程,试图为商业银行创新金融服务形式、助推小微企业高质量发展提供有价值的参考。

How to address the high price of small and macro enterprises financing is an important problem to be solved urgently in financial services.At present,China’s small and macro enterprises still have problems such as high financing price due to“small business operation”,“insignificant”price,and“equal treatment”.This paper takes the Bank of Shanghai as an example to explore the solutionsfor digital supply chain finance to effectively address the high financingprice of small and macro enterprises,which includes building a digital supply chain finance ecosystem,expanding core customer service boundaries,and empowering the entire business process through digitalization.The aim is to provide a valuable reference for commercial banks to innovate financial service forms and boost the high-quality development of small and macro enterprises.