金融科技助力缓解中小企业融资难题路径探析  

Exploring the Paths of Fintech to Help to Alleviate the Financing Problems of Small and Medium-sized Enterprises

作　　者：赵坤 ZHAO Kun(National Internet Finance Association of China,Beijing 102425)

机构地区：[1]中国互联网金融协会综合部,北京102425

出　　处：《中国商论》2022年第11期87-89,共3页China Journal of Commerce

摘　　要：中小企业是数量最大、最具创新活力的企业群体,是推动实体经济发展的重要基础。金融机构利用金融科技手段实现中小企业信贷服务流程线上化和自动化,有效降低金融机构的获客、运营及风控成本,从而在助力解决中小企业融资难题方面发挥了有效作用。但金融科技作用的发挥,也存在一些客观制约条件和极限边界,同时也可能带来新的风险因素。本文结合行业实践系统分析了金融科技助力缓解中小企业融资难题的积极作用以及存在的制约因素,并前瞻性地提出引导金融科技支持中小企业融资规范有序发展的政策建议,希望为监管部门和从业机构推动解决中小企业融资难题提供参考。Small and medium-sized enterprises(SMEs)are the largest and most innovative group of enterprises,and are an important foundation for the development of the real economy.Financial institutions use fi ntech to realize the online and automated credit service process for SMEs,which eff ectively reduces the costs of customer acquisition,operation and risk control of fi nancial institutions,thus playing an eff ective role in helping to solve the fi nancing problems of SMEs.However,there are some objective constraints and limit boundaries for the role of fi ntech,which may also bring new risks.This article systematically analyzes the positive role of fi ntech in helping to alleviate the fi nancing diffi culties of SMEs and the existing constraints in conjunction with industry practice,and prospectively puts forward policy recommendations to guide the standardized and orderly development of fi ntech in supporting SME fi nancing,hoping to provide references for regulators and practitioners to promote the resolution of SME fi nancing diffi culties.

关 键 词：金融科技 中小企业 信息不对称 大数据 基础设施 

分 类 号：F276.3[经济管理—企业管理]