商业银行数字化转型对中小企业融资的影响研究

Research on the Influence of Digital Transformation of Commercial Banks on Financing of Small and Medium-Sized Enterprises

中小企业在我国经济发展中占有举足轻重的地位,商业银行数字化转型构建起了数字金融新生态,能够更加有效地服务于实体经济,对于中小企业的融资起着促进作用。数字经济时代,数字化转型已成为银行业转型升级的战略手段。基于此,分析商业银行数字化转型对中小企业融资的影响,探讨商业银行数字化转型助力中小企业融资存在的问题,提出推动商业银行数字化转型的对策建议,以更好地为中小企业提供融资服务。

Small and medium-sized enterprises play a pivotal role in the economic development of our country,but many small and medium-sized enterprises have been faced with financing difficult,expensive problems.The digital transformation of commercial banks has built a new digital financial ecology,which can serve the real economy more effectively and promote the financing of small and medium-sized enterprises.In the era of digital economy,digital transformation has become a strategic means of banking transformation and upgrading.Based on this,this paper analyzes the impact of the digital transformation of commercial banks on the financing of small and medium-sized enterprises and then discusses the problems existing in the digital transformation of commercial banks to help the financing of small and medium-sized enterprises,and finally proposes countermeasures and suggestions to promote the digital transformation of commercial banks in order to better provide financing services for small and medium-sized enterprises.