摘要
融资难、融资贵一直是悬在小微企业头上的"达摩利斯之剑",传统金融机构基于成本和风险考量,对小微企业普遍"惜贷",信息不对称掣肘也加大了小微企业融资缺口,传统金融机构没有深入解决小微金融模式难题,缺乏数字技术的有力支撑是主要原因。在经济数字化时代,金融生态系统与数字技术相互渗透融合,形成新型运营体系和商业模式的同时,也给小微企业的发展新增活力点,目前国内外商业银行正研究将数字化技术应用到小微金融业务上,其中不乏成功经验。将数字技术应用到小微金融领域形成的新兴模式——数字小微金融,可以有效降低信息不对称产生的成本,重塑业务模式,减轻融资负担,补齐小微企业发展短板。
Financing difficulties and financing your head has been hanging in the small micro enterprise' s sword dharma,traditional financial institutions based on the cost and risk considerations, for small micro enterprise " lend generally",hampered by asymmetric information also increase small micro enterprise financing gap,the traditional financial institutions do not further solve the model of small micro financial problem,lack of the strong support of digital technology is the main reason. In the era of economic digitization,the financial ecosystem and digital technology interpenetrated and merged to form a new operating system and business model,which also added new vitality to the development of small and micro-sized enterprises. At present,domestic and foreign commercial banks are studying the application of digital technology applied to small and micro-sized financial business,a-mong which there are many successful experiences. The application of digital technology in the emerging model in the field of small and micro finance can effectively reduce the cost generated by information asymmetry,reshape the business model,reduce the financing burden and make up the development shortfalls of small and micro enterprises .
作者
陆岷峰
周军煜
Lu Minfeng;Zhou Junyu(Jiangsu Institute of Innovation and Development,Nanjing University of Financeand Economics,Nanjing 210001,China;School of Finance,Nanjing University of Finances and Economics,Nanjing 210046,China)
出处
《北华大学学报（社会科学版）》
2019年第2期127-134,共8页
Journal of Beihua University(Social Sciences)
基金
江苏省互联网金融协会省级项目"关于互联网金融全面创新发展研究"(2018SHJ16)
三德健康产业控股集团新金融课题项目(20180628)的阶段性研究成果
关键词
数字小微金融
小微金融
数字金融
普惠金融
小微企业
融资难
融资贵
Digital microfinance
Small and micro finance
Digital finance
Inclusive finance
Small and micro businesses
Financing difficulties
Financing your head
作者简介
陆岷峰,南京财经大学江苏创新发展研究院首席研究员,教授,江苏省互联网金融协会秘书长,江苏银行总行董事办高级会计师,南京大学博士后,江苏省有突出贡献的中青年专家,主要从事宏观经济、商业银行、中小企业发展研究(南京210001);周军煜,南京财经大学金融学院硕士研究生,主要从事互联网金融、商业银行研究(南京210046).
