数字普惠金融助力中小企业发展研究

通过将互联网技术、大数据分析以及云计算等技术应用于金融领域,大幅度地降低了交易成本和金融服务的门槛,为中小企业带来了新的机遇。中小型企业是我国现阶段社会经济发展的中坚力量,但是大多数的中小型企业都面临着融资难的困境。数字普惠金融则能够有效地解决中小型企业所面临的这一问题。论文以中小型企业各项特点、数字普惠金融的特点为基础,对中小型企业所面临问题的成因进行分析,对数字普惠金融对中小企业发展的影响进行分析,以此来探究数字普惠金融对中小企业的帮助。

Research on Digital Inclusive Finance Helping the Development of Small and Medium-Sized Enterprises

By applying internet technology,big data analysis,cloud computing and other technologies to the financial field,the transaction cost and the threshold of financial services have been greatly reduced,bringing new opportunities for small and medium-sized enterprises.Small and medium-sized enterprises are the backbone of China’s social and economic development at the present stage,but most of them are faced with financing difficulties.Digital financial inclusion can effectively solve this problem faced by small and medium-sized enterprises.Based on the characteristics of small and medium-sized enterprises and the characteristics of digital inclusive finance,this paper analyzes the causes of the problems faced by small and medium-sized enterprises,and analyzes the impact of digital inclusive finance on the development of small and medium-sized enterprises,so as to explore the help of digital inclusive finance to small and medium-sized enterprises.