基于数字金融的银行业小微企业融资服务创新策略研究  

Research on Innovation Strategies for Financing Services for Small and Micro Enterprises in the Banking Sector Based on Digital Finance

作　　者：许梦佳 XU Mengjia(Dunhuang Branch of Bank of Lanzhou Co.,Ltd.,Dunhuang,Gansu 736200)

机构地区：[1]兰州银行股份有限公司敦煌分行,甘肃敦煌736200

出　　处：《中国商论》2025年第4期119-122,共4页China Journal of Commerce

摘　　要：对银行业小微企业融资服务进行创新研究,是应对数字金融快速发展,加速银行业革新进程的重要基础,同时也对金融体系的持续革新具有重要影响。为充分发挥银行业小微企业融资服务的作用,推动小微企业长远可持续发展,本研究从数字金融视域出发,对银行业小微企业融资服务创新进行了深入研究,并运用理论分析与文献研究等方法,了解银行业小微企业融资服务的现状与必要性,制定针对性的融资服务创新策略,积极积累创新经验,以期为未来研究提供参考。Research on innovation infinancing services for small and micro enterprises in the banking industry is a crucial foundation for responding to the rapid development of digitalfinance and accelerating the innovation process within the banking sector.It also plays an important role in the continuous innovation of thefinancial system.In order to fully leverage the role offinancing services for small and micro enterprises in the banking industry and promote their long-term sustainable development,this study conducts an in-depth exploration of innovations infinancing services for small and micro enterprises in the banking industry from the perspective of digitalfinance.By employing methods such as theoretical analysis and literature review,this study examines the current status and necessity offinancing services for small and micro enterprises in the banking industry,formulates and implements targeted strategies forfinancing service innovation,and actively accumulates experience in innovation,aiming to provide a reference for future research.

关 键 词：数字金融 小微企业 融资产品 融资风控 企业创新 

分 类 号：F276.3[经济管理—企业管理] F833[经济管理—国民经济]