数字金融背景下中小企业融资策略研究

Research on Financing Strategies of Small and Medium-Sized Enterprises Under the Background of Digital Finance

在市场经济的条件下,中小企业囿于其自身的弱质性,信息掌握不充分、抵御风险能力弱,因此融资难、融资贵的矛盾长期无法得到有效解决。随着数字金融服务的发展,可在一定程度上缓解中小企业的融资约束,改善中小企业融资的生态环境。文章从中小企业面临的融资困境入手,概述我国数字金融产业的发展现状,分析其在中小企业融资过程中发挥的积极作用,最后提出重视数字金融技术的应用、建立健全法律法规体系、完善中小企业征信系统建设等对策建议,以期推动中小企业融资效率的提升。

Under the condition of market economy,small and medium-sized enterprises are limited by their own weak quality,inadequate information grasp and weak ability to resist risks,so the contradiction of difficult and expensive financing can not be effectively solved for a long time.With the development of digital financial services,the financing constraints of small and medium-sized enterprises can be alleviated to a certain extent,and the ecological environment of financing for them can be improved.This paper starts with the financing dilemma facing small and medium-sized enterprises,summarizes the current situation of the digital finance industry in China,analyzes its positive role in the financing process of small and medium-sized enterprises,and finally puts forward some countermeasures and suggestions such as valuing the application of digital financial technology,establishing and improving law and regulation system,improving the credit information system of small and medium-sized enterprises,in order to promote the improvement in the financing efficiency of small and medium-sized enterprises.