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数字普惠金融背景下中小工业企业高质量发展研究

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通过探讨数字普惠金融背景下中小工业企业高质量发展的现状,发现数字普惠金融能够助推中小工业企业高质量发展,且这种助推效应主要通过缓解融资约束、助力数字化转型、促进技术创新和提高风险承担能力来实现.与此同时,在研究中也发现了数字普惠金融助推中小工业企业高质量发展面临着地域数字差距明显、人才短缺流失严重、数据安全问题严峻、监管体系完善滞后等现实问题,并在此基础上提出了相应的对策建议.
Research on High-Quality Development of Small and Medium-sized Industrial Enterprises in the Context of Digital Inclusive Finance
By exploring the current situation of the high-quality development of small and medium-sized industrial enterprises(SMEs)in the context of digital inclusive finance,it is found that digital inclusive finance can promote the high-quality development of SMEs,and that such a boosting effect can be achieved by alleviating financing constraints,facilitating digital transformation,promoting technological innovation,and improving the ability to bear risks.At the same time,the study also found that digital inclusive finance to promote the high-quality development of small and medium-sized industrial enterprises is faced with such practical problems as obvious geographical digital gap,serious talent shortage and loss,serious data security problems,and lagging behind in the improvement of the regulatory system,and on the basis of which corresponding countermeasures and suggestions are put forward.

digital inclusive financesmall and medium-sized industrial enterpriseshigh-quality development

关瑶涵、王帆

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长春理工大学经济管理学院,吉林 长春 130000

数字普惠金融 中小工业企业 高质量发展

2024

现代工业经济和信息化

现代工业经济和信息化

影响因子:0.485
ISSN:
年,卷(期):2024.14(9)