数字化金融对中小企业融资的影响分析
Analysis of the Impact of Digital Finance on SME Financing
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| DOI |
10.12208/j.aif.20220015 |
| 刊名 |
Advances in International Finance
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| 年，卷(期) |
2022, 4(1) |
| 作者 |
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| 作者单位 |
江苏师范大学商学院 江苏徐州 ;
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| 摘要 |
中小企业在我国国民经济发展中起着至关重要的作用，但由于自身问题，构成了融资难、融资贵的困境，本文介绍了形成中小企业融资困境的三点原因，随着金融业逐步进入互联网科技行业，中小企业融资进行了数字化转型，通过了解数字化金融构建融资的新模式，分析其创新赋能中小企业融资的机制，并对产生的困境提出相应对策。
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| Abstract |
Small and medium-sized enterprises (SMEs) play a vital role in the development of Chinas national economy, but due to their own problems, they constitute the dilemma of difficult and expensive financing. This paper introduces three reasons for the formation of SME financing dilemmas. With the gradual entry of the financial industry into the Internet technology industry, SME financing has undergone a digital transformation, and by understanding the new financing model created by digital finance, we analyze its innovative empowerment mechanism for SME financing and propose corresponding countermeasures to the resulting dilemma.
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| 关键词 |
数字化金融；中小企业；融资；影响
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| KeyWord |
Digital Finance; SMEs; Financing; Impact
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| 基金项目 |
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| 页码 |
13-17 |
宦绮玮*,白冰,蔡雯雯.
数字化金融对中小企业融资的影响分析 [J].
国际金融进展.
2022; 4; (1).
13 - 17.