金融科技助力破解小微企业融资困局  

Research on Fintech Application to Solve the Dilemma of Small and Micro Enterprises’ Financing

作　　者：王小燕[1] 黄承慧[1] 潘章明[1] 钟雪灵[1] WANG Xiao-yan;HUANG Cheng-hui;PAN Zhang-ming;ZHONG Xue-ling(Guangdong University of Finance Guangzhou 510521 China)

机构地区：[1]广东金融学院

出　　处：《电子科技大学学报（社科版）》2019年第4期13-16,共4页Journal of University of Electronic Science and Technology of China(Social Sciences Edition)

基　　金：国家社会科学基金项目(18BGL027)

摘　　要：小微企业遍布各行各业,是我国国民经济的重要组成部分.然而,小微企业在经营过程中普遍融资难、融资贵,极大压缩了它们的生存和发展空间.研究认为近年来兴起的金融科技将有助于破解小微企业融资难、融资贵的困局.信用贷款是小微企业获取贷款的最可行方式.通过探讨金融科技在小微企业信用贷款中风险控制的新思路,以期破解小微企业融资困局.Small and micro enterprises are located in various industries and are an important part of China's national economy. However, because small and micro enterprises generally encounter financing difficulties and expensive financing in the course of business, they greatly reduce their survival and development space. This paper believes that the rise of financial technology in recent years will help to solve the dilemma of financing difficulties and financing for small and micro enterprises. Credit loans are the most viable way for small and micro enterprises to obtain loans. In order to solve the dilemma of small and micro enterprise financing, this paper explores the new ideas of financial technology in the risk control of small and micro enterprise credit loans.

关 键 词：小微企业 金融科技 融资 困局 

分 类 号：F832[经济管理—金融学]