金融科技背景下江苏省金融机构解决中小微企业融资难问题研究

Studies on How Financial Institutions in Jiangsu Province Solve the Financing Difficulties of Medium, Small and Micro-Sized Enterprises in the Context of Financial Technology

金融科技的迅速发展使之成为当前金融的新兴业态,对信贷市场产生了重要影响。以金融科技为切入点,分析江苏省金融机构的发展变化、中小微企业融资现状以及金融科技解决中小微企业融资难问题。研究表明,金融科技的发展能够显著解决中小微企业融资难困境,只是还需要较长时间的验证。最后针对中小微企业融资问题,从金融科技的四个方面分别分析如何解决中小微企业融资难问题。

The rapid development of financial technology makes it an emerging industry, which has a signifi-cant impact on the credit market. Taking financial technology as the entry point, this paper analyz-es the evolution of financial institutions in Jiangsu province, the current financing situation of me-dium, small, and micro-sized enterprises, and how financial technology solves the financing difficul-ties for medium, small and micro-sized enterprises. Research shows that the development of finan-cial technology can significantly solve the financing difficulties of medium, small and micro-sized enterprises, but it will take a long way to verify. Finally, in view of the financing problems of medi-um, small and micro-sized enterprises, this paper analyzes how to solve the financing challenges of medium, small and micro-sized enterprises from four aspects of financial technology, respectively.