科技型小微企业成长的“困”与“解”:金融科技视角
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摘要
科技型小微企业的成长面临着融资难、政策支持体系和扶持力度偏弱、自身创新能力不足、盈利能力和抗风险能力薄弱等现实问题,而依托于大数据、云计算、人工智能、区块链等技术的金融科技为科技型小微企业成长从模式、数据、模型和场景四个层面提供了可能的解决方案。大数据和云计算技术在破除信息不对称性、提高风险管控能力、降低融资成本和提升资源配置效率方面发挥重要作用,而人工智能和区块链技术的应用有助于金融服务场景的变革和渠道的拓宽及金融服务质量的深化。最后,文章基于金融科技视角,从依托政府政策支持体系来搭建有利于科技型小微企业成长的体制机制;依靠金融科技对金融业态的改造,加快金融机构转型升级来激发金融对科技型小微企业成长的支持力度;通过金融科技对科技型小微企业自身的功能性触动,来提升企业盈利能力和抗风险能力三个层面提出了化解科技型小微企业成长现实问题的策略建议。
The growth of small-scale technology-based enterprises is facing many difficulties,including financing,the weak policy support,the lack of innovation ability and the ability to resist risks. The financial technology provides possible solutions. Big data and cloud computing technologies play an important role in breaking information asymmetry,improving risk management and control ability,reducing financing costs,and improving the efficiency of resource allocation. The application of artificial intelligence and block-chain technology can help reform the financial service scenarios,expand channels and enhance financial service quality. Finally,this paper puts forward three strategic proposals to resolve the problems in the growth of small and micro enterprises from the perspective of financial technology: build an institutional mechanism conducive to the growth of small enterprises based on the government policy support system; stimulate the finance institutions to support the small technological enterprises through the transformation and upgrading of financial institutions based on the reform of the finance resulted from financial technology; enhance the enterprises' profitability and antirisk ability by the reform of the functions of small and micro technological enterprises caused by financial technology.
The growth of small-scale technology-based enterprises is facing many difficulties,including financing,the weak policy support,the lack of innovation ability and the ability to resist risks. The financial technology provides possible solutions. Big data and cloud computing technologies play an important role in breaking information asymmetry,improving risk management and control ability,reducing financing costs,and improving the efficiency of resource allocation. The application of artificial intelligence and block-chain technology can help reform the financial service scenarios,expand channels and enhance financial service quality. Finally,this paper puts forward three strategic proposals to resolve the problems in the growth of small and micro enterprises from the perspective of financial technology: build an institutional mechanism conducive to the growth of small enterprises based on the government policy support system; stimulate the finance institutions to support the small technological enterprises through the transformation and upgrading of financial institutions based on the reform of the finance resulted from financial technology; enhance the enterprises' profitability and antirisk ability by the reform of the functions of small and micro technological enterprises caused by financial technology.
引文
[1]潘锡泉,周锋,赵国忻.融合与重构:小微企业融资模式再创新———基于“台州模式”的实践及思考[J].浙江金融,2016(12):62-67,44.
[2]杨汉明,刘长进,杨婉君,等.政策支持对科技型小微企业成长的影响[J].统计与决策,2016(13):181-184.
[3] LINA SONNE. Innovative initiatives supporting inclusive innovation in India:social business incubation and micro venture capital[J]. Technological forecasting&social change,2012,78(4):638-647.
[4] SOOGWAN DOH. BYUNGKYU KIM. Government support for sme innovations in the regional industries:the case of government financial support program in south Korea[J]. Research policy,2014,43(9):1557-1569.
[5]张玉喜,赵丽丽.中国科技金融投入对科技创新的作用效果———基于静态和动态面板数据模型的实证研究[J].科学学研究,2015(2):177-184,214.
[6]刘芸,朱瑞博.互联网金融、小微企业融资与征信体系深化[J].征信,2014(2):31-35.
[7]徐洁,隗斌贤,揭筱纹.互联网金融与小微企业融资模式创新研究[J].商业经济与管理,2014(4):92-96.
[8]郭喜才.基于互联网金融背景下的研究[J].科学管理研究,2014(4):109-112.
[9]吴朝平.商业银行与金融科技公司的联合创新探讨[J].新金融,2018(2):54-58.
[10]沈福泉.论金融科技在发展小微金融和普惠金融中的应用[J].福建金融,2018(6):40-45.
[11]贾凤军.银行业应拥抱金融科技、掌握大数据、积极转型[J].银行家,2018(7):55.
[12]姜增明,陈剑锋,张超.金融科技赋能商业银行风险管理转型[J].当代经济管理,2019(1):85-90.
[13]王硕,宋佳燕.金融科技助力小微金融创新与发展研究[J].农村金融研究,2018(9):57-61.
(1)金融科技的内涵本质就是以数据为基础,以技术来推动金融创新(包括大数据挖掘技术、区块链技术和人工智能技术),实现金融产品和金融服务的质效提升。
[2]杨汉明,刘长进,杨婉君,等.政策支持对科技型小微企业成长的影响[J].统计与决策,2016(13):181-184.
[3] LINA SONNE. Innovative initiatives supporting inclusive innovation in India:social business incubation and micro venture capital[J]. Technological forecasting&social change,2012,78(4):638-647.
[4] SOOGWAN DOH. BYUNGKYU KIM. Government support for sme innovations in the regional industries:the case of government financial support program in south Korea[J]. Research policy,2014,43(9):1557-1569.
[5]张玉喜,赵丽丽.中国科技金融投入对科技创新的作用效果———基于静态和动态面板数据模型的实证研究[J].科学学研究,2015(2):177-184,214.
[6]刘芸,朱瑞博.互联网金融、小微企业融资与征信体系深化[J].征信,2014(2):31-35.
[7]徐洁,隗斌贤,揭筱纹.互联网金融与小微企业融资模式创新研究[J].商业经济与管理,2014(4):92-96.
[8]郭喜才.基于互联网金融背景下的研究[J].科学管理研究,2014(4):109-112.
[9]吴朝平.商业银行与金融科技公司的联合创新探讨[J].新金融,2018(2):54-58.
[10]沈福泉.论金融科技在发展小微金融和普惠金融中的应用[J].福建金融,2018(6):40-45.
[11]贾凤军.银行业应拥抱金融科技、掌握大数据、积极转型[J].银行家,2018(7):55.
[12]姜增明,陈剑锋,张超.金融科技赋能商业银行风险管理转型[J].当代经济管理,2019(1):85-90.
[13]王硕,宋佳燕.金融科技助力小微金融创新与发展研究[J].农村金融研究,2018(9):57-61.
(1)金融科技的内涵本质就是以数据为基础,以技术来推动金融创新(包括大数据挖掘技术、区块链技术和人工智能技术),实现金融产品和金融服务的质效提升。