数字普惠金融缓解我国科技型中小企业融资约束研究

Research on How Digital Inclusive Finance Alleviates Financing Constraints of Technology-Based Small and Medium-Sized Enterprises in China

融资约束问题一直困扰着科技型中小企业,数字普惠金融的出现,为缓解科技型中小企业融资约束提供了新思路。文章结合我国数字普惠金融的现状,对科技型中小企业的融资约束问题进行探究,并从参与融资过程的政府部门、金融机构、企业自身三个主体出发,提出缓解科技型中小企业融资约束的解决策略。

Financing constraints have always plagued technology-based small and medium-sized enterprises.The emergence of digital inclusive finance provides a new way to alleviate financing constraints of technology-based small and medium-sized enterprises.This article explores the financing constraints of technology-based small and medium-sized enterprises in China in combination with the current situation of digital inclusive finance in China,and proposes solutions to alleviate financing constraints of technology-based small and medium-sized enterprises from three main participants in the financing process:government departments,financial institutions,and enterprises themselves.