数字经济背景下供应链金融的引导与监管

Guidance and Regulation of Supply Chain Finance in the Context of Digital Economy

随着中国经济的迅速增长,金融风险的复杂性日益增加,中小企业融资难的结构性矛盾也逐渐显现。供应链金融作为一种缓解银行与中小企业间的信息不对称、促成融资落地的可行手段,正逢数字经济大发展的春风,有望依靠不断发展的大数据技术,实时监测供应链金融的风险变化,实现更好的风险控制。本文深刻领会习近平总书记对于探索中国特色金融发展道路的指示,按照推动金融高质量发展的相关要求,从数字经济大环境下的供应链金融发展现状入手,梳理数字经济和供应链金融面临的发展问题,从监管的角度展开思考并提出方向性的建议。

With the rapid growth of the Chinese economy,the complexity of financial risks is increasing,and the structural contradiction of financing difficulties for small and medium-sized enterprises is gradually becoming apparent.Supply chain finance,as a feasible means to alleviate information asymmetry between banks and small and medium-sized enterprises and facilitate financing implementation,coincides with the spring breeze of the rapid development of the digital economy.According to the instruction of General Secretary Xi Jinping on the issue of exploring a financial development path with Chinese characteristics,and the demand of Director Li Yunze about promoting high-quality development of the financial sector,starting with the development status of supply chain finance under the environment of digital economy,this paper sorts out the development problems faced by digital economy and supply chain finance respectively,and puts forward directional suggestions from the perspective of supervision.