数字金融创新小微制造企业融资的路径思考  

Reflections on the Path of Digital Financial Innovation in Financing for Small and Micro Manufacturing Enterprises

作　　者：吴琼[1] Wu Qiong(College of Economics,Wuhan Donghu University,Wuhan Hubei 430200,China)

机构地区：[1]武汉东湖学院经济学院,湖北武汉430200

出　　处：《现代工业经济和信息化》2024年第2期242-244,共3页Modern Industrial Economy and Informationization

基　　金：2021年湖北省教育厅计划研究计划项目《金融科技赋能创新——运用数字技术构建小微企业长效融资体系研究》阶段性的研究成果(B2021292)。

摘　　要：从小微制造企业融资的困难现状、基本特点和原因出发,着眼于数字金融对小微制造企业融资的支持作用。通过对数字金融赋能小微制造企业融资的创新路径的思考,旨在提出可行的解决方案,帮助小微制造企业克服融资难题,实现可持续发展。研究发现,数字金融可以通过降低信息不对称、提高融资效率、降低融资成本等手段,有效缓解小微制造企业融资难、融资贵的问题;强调了监管创新等方面的重要性,以确保数字金融健康、可持续发展,更好地服务于小微制造企业。Starting from the difficult status quo,basic characteristics and reasons of financing of small and micro manufacturing enterprises,we focus on the supporting role of digital finance on financing of small and micro manufacturing enterprises.Through the reflection on the innovative path of digital finance empowering the financing of small and micro manufacturing enterprises,it aims to put forward feasible solutions to help small and micro manufacturing enterprises overcome financing difficulties and achieve sustainable development.It is found that digital finance can effectively alleviate the problems of financing difficulties and financing costs of small and micro manufacturing enterprises by reducing information asymmetry,improving financing efficiency and reducing financing costs.At the same time,the article also emphasises the importance of regulatory innovation and other aspects to ensure the healthy and sustainable development of digital finance to better serve small and micro manufacturing enterprises.

关 键 词：小微制造企业 融资管理 数字金融 创新 

分 类 号：F276.3[经济管理—企业管理] F832.4[经济管理—国民经济] F49