摘要
对银行业小微企业融资服务进行创新研究,是应对数字金融快速发展,加速银行业革新进程的重要基础,同时也对金融体系的持续革新具有重要影响。为充分发挥银行业小微企业融资服务的作用,推动小微企业长远可持续发展,本研究从数字金融视域出发,对银行业小微企业融资服务创新进行了深入研究,并运用理论分析与文献研究等方法,了解银行业小微企业融资服务的现状与必要性,制定针对性的融资服务创新策略,积极积累创新经验,以期为未来研究提供参考。
Research on innovation infinancing services for small and micro enterprises in the banking industry is a crucial foundation for responding to the rapid development of digitalfinance and accelerating the innovation process within the banking sector.It also plays an important role in the continuous innovation of thefinancial system.In order to fully leverage the role offinancing services for small and micro enterprises in the banking industry and promote their long-term sustainable development,this study conducts an in-depth exploration of innovations infinancing services for small and micro enterprises in the banking industry from the perspective of digitalfinance.By employing methods such as theoretical analysis and literature review,this study examines the current status and necessity offinancing services for small and micro enterprises in the banking industry,formulates and implements targeted strategies forfinancing service innovation,and actively accumulates experience in innovation,aiming to provide a reference for future research.
作者
许梦佳
XU Mengjia(Dunhuang Branch of Bank of Lanzhou Co.,Ltd.,Dunhuang,Gansu 736200)
出处
《中国商论》
2025年第4期119-122,共4页
China Journal of Commerce
关键词
数字金融
小微企业
融资产品
融资风控
企业创新
digital finance
small and micro enterprises
financing products
financing risk control
enterprise innovation
