数字小微金融的优越性与发展策略研究
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摘要
实践经验表明,传统小微金融发展路径在解决小微企业融资难、融资贵问题上并没有取得突破性进展,究其根本原因在于融资供求双方的"信息缺口"大。而在数字技术的驱动下,小微企业发展所依赖的外部经济金融环境和内部自身条件均已发生或正在发生巨大的数字化改造、转型与升级过程,小微企业将积累自身丰富的数字资产,金融机构与小微企业之间的信息不对称程度有望不断降低,"信息缺口"不断缩小,数字小微金融将比传统小微金融在思维、模式、效率、技术等方面更具优越性。在数字小微金融发展思路上,需要顺应小微金融内外部生态环境的数字化趋势,从宏观层面、中观层面、微观层面三维立体重构小微金融的发展逻辑,以弥补传统小微金融发展的痛点与不足,力促对小微企业融资掣肘问题取得质的突破。
The practical experience shows that the traditional micro-financial development path has not made breakthroughs in solving the problem of difficult financing and expensive financing for small and micro enterprises. The fundamental reason lies in the large "information gap" between the financing and supply sides. Driven by the digital technology, the external economic and financial environment and internal conditions that small and micro enterprises rely on have already undergone or are undergoing a huge digitization, transformation and upgrading process. Small and micro enterprises will accumulate their own rich digital assets. The degree of information asymmetry between financial institutions and small and micro enterprises is expected to decrease, while the "information gap" will continue to shrink. Digital microfinance will be superior to traditional one in terms of thinking, mode, efficiency and technology. In the development of digital micro-finance, it is necessary to adapt to the digitization trend of the internal and external ecological environment of micro-finance, and reconstruct the development logic of micro-finance by three-dimensional reconstruction from macro, meso and micro-level. Thus, in order to make up for the drawback and deficiency of the development of traditional microfinance, we should make a qualitative breakthrough to the financing constraint of small and micro enterprises.
The practical experience shows that the traditional micro-financial development path has not made breakthroughs in solving the problem of difficult financing and expensive financing for small and micro enterprises. The fundamental reason lies in the large "information gap" between the financing and supply sides. Driven by the digital technology, the external economic and financial environment and internal conditions that small and micro enterprises rely on have already undergone or are undergoing a huge digitization, transformation and upgrading process. Small and micro enterprises will accumulate their own rich digital assets. The degree of information asymmetry between financial institutions and small and micro enterprises is expected to decrease, while the "information gap" will continue to shrink. Digital microfinance will be superior to traditional one in terms of thinking, mode, efficiency and technology. In the development of digital micro-finance, it is necessary to adapt to the digitization trend of the internal and external ecological environment of micro-finance, and reconstruct the development logic of micro-finance by three-dimensional reconstruction from macro, meso and micro-level. Thus, in order to make up for the drawback and deficiency of the development of traditional microfinance, we should make a qualitative breakthrough to the financing constraint of small and micro enterprises.
引文
[1]陆岷峰.小微金融实现突破重在调控机制转换[N/OL].金融时报,2018-11-05[2018-12-28].http://www.financialnews.com.cn/ll/ft/201811/t20181105_148808.html.
[2]黎刚华.不对称信息与中小企业融资创新探讨[J].开放导报,2006(5):100-103.
[3]李长江.关于数字经济内涵的初步探讨[J].电子政务,2017(9):84-92.
[4]刘荣军.数字经济的经济哲学之维[J].深圳大学学报(人文社会科学版),2017(4):97-100.
[5]裴长洪,倪江飞,李越.数字经济的政治经济学分析[J].财贸经济,2018(9):5-22.
[6]何枭吟.数字经济发展趋势及我国的战略抉择[J].现代经济探讨,2013(3):39-43.
[7]黄浩.数字金融生态系统的形成与挑战---来自中国的经验[J].经济学家,2018(4):80-85.
[8]丁蔚.数字金融:商业银行的未来转型发展之路[J].清华金融评论,2016(4):66-67.
[9]黄益平,黄卓.中国的数字金融发展:现在与未来[J].经济学(季刊),2018(4):1489-1502.
[10]王馨.互联网金融助解长尾小微企业融资难问题研究[J].金融研究,2015(9):128-139.
[11]陆岷峰.数字小微金融的价值所在与推进之道[N/OL].金融时报,2018-06-11[2018-12-28].http://www.financialnews.com.cn/ll/ft/201806/t20180611_139924.html.
[12]徐阳洋,等.数字小微金融或可解决小微企业融资难[J].中国银行业,2018(8):71-72.
[13]汪祖刚,等.关于“物联网+银行”发展战略的研究[J].当代经济管理,2017(12):76-82.
[14]湖南省中国特色社会主义理论体系研究中心.以数字经济助推实体经济发展壮大[N/OL].经济日报,2018-11-15[2018-12-28].http://paper.ce.cn/jjrb/html/2018-11/15/content_3771 22.htm.
[15]周军煜,等.基于数字化小微金融发展的战略研究[J].北华大学学报,2019(1):26-32.
[16]张欢,等.关于商业银行总分支体制研究-基于利益博弈的视角[J].湖南财政经济学院学报,2018(3):22-28.
[17]杨亮,等.影子银行体系对货币乘数的动态影响[J].黑龙江社会科学,2018(1):66-73.
[18]季子钊,等.成本效应与风险效应:中国商业银行利润效用最大化下最优利差抉择问题研究[J].金融理论与实践,2018(11):08-15.
[19]陆岷峰.关于金融本源及创新边界的研究[J].当代财经,2018(9):62-69.
[20]李蔚,等.关于金融准入及金融牌照审批体制改革研究[J].西南金融,2018(6):1-5.
[21]徐博欢,等.金融乱相与金融治理[J].财经科学,2018(10):36-41.
[22]吴建平,等.金融去杠杆背景下资产流动性对商业银行风险承担的影响研究[J].河北科技大学学报(哲学社会科学版),2018(4):1-10.
(1)G20杭州峰会对数字经济的界定:以使用数字化的知识和信息作为关键生产要素、以现代信息网络作为重要载体、以信息通信技术的有效使用作为效率提升和经济结构优化的重要推动力的一系列经济活动。
[2]黎刚华.不对称信息与中小企业融资创新探讨[J].开放导报,2006(5):100-103.
[3]李长江.关于数字经济内涵的初步探讨[J].电子政务,2017(9):84-92.
[4]刘荣军.数字经济的经济哲学之维[J].深圳大学学报(人文社会科学版),2017(4):97-100.
[5]裴长洪,倪江飞,李越.数字经济的政治经济学分析[J].财贸经济,2018(9):5-22.
[6]何枭吟.数字经济发展趋势及我国的战略抉择[J].现代经济探讨,2013(3):39-43.
[7]黄浩.数字金融生态系统的形成与挑战---来自中国的经验[J].经济学家,2018(4):80-85.
[8]丁蔚.数字金融:商业银行的未来转型发展之路[J].清华金融评论,2016(4):66-67.
[9]黄益平,黄卓.中国的数字金融发展:现在与未来[J].经济学(季刊),2018(4):1489-1502.
[10]王馨.互联网金融助解长尾小微企业融资难问题研究[J].金融研究,2015(9):128-139.
[11]陆岷峰.数字小微金融的价值所在与推进之道[N/OL].金融时报,2018-06-11[2018-12-28].http://www.financialnews.com.cn/ll/ft/201806/t20180611_139924.html.
[12]徐阳洋,等.数字小微金融或可解决小微企业融资难[J].中国银行业,2018(8):71-72.
[13]汪祖刚,等.关于“物联网+银行”发展战略的研究[J].当代经济管理,2017(12):76-82.
[14]湖南省中国特色社会主义理论体系研究中心.以数字经济助推实体经济发展壮大[N/OL].经济日报,2018-11-15[2018-12-28].http://paper.ce.cn/jjrb/html/2018-11/15/content_3771 22.htm.
[15]周军煜,等.基于数字化小微金融发展的战略研究[J].北华大学学报,2019(1):26-32.
[16]张欢,等.关于商业银行总分支体制研究-基于利益博弈的视角[J].湖南财政经济学院学报,2018(3):22-28.
[17]杨亮,等.影子银行体系对货币乘数的动态影响[J].黑龙江社会科学,2018(1):66-73.
[18]季子钊,等.成本效应与风险效应:中国商业银行利润效用最大化下最优利差抉择问题研究[J].金融理论与实践,2018(11):08-15.
[19]陆岷峰.关于金融本源及创新边界的研究[J].当代财经,2018(9):62-69.
[20]李蔚,等.关于金融准入及金融牌照审批体制改革研究[J].西南金融,2018(6):1-5.
[21]徐博欢,等.金融乱相与金融治理[J].财经科学,2018(10):36-41.
[22]吴建平,等.金融去杠杆背景下资产流动性对商业银行风险承担的影响研究[J].河北科技大学学报(哲学社会科学版),2018(4):1-10.
(1)G20杭州峰会对数字经济的界定:以使用数字化的知识和信息作为关键生产要素、以现代信息网络作为重要载体、以信息通信技术的有效使用作为效率提升和经济结构优化的重要推动力的一系列经济活动。