数字化技术发展对中小微企业融资的影响
The Impact of Digital Technology Development on the Financing of MSMEs

中小微企业是实现社会资源合理化配置的关键，也是促进经济增长的推动力。由于受自身特点的限制，融资过程难、融资成本高等问题仍制约其发展。通过综合学者研究、市场发展趋势以及相关数据的统计分析，发现数字化技术的应用为解决中小微企业融资问题提供了新思路。本文构建了数字化技术与中小微企业融资之间的作用机制，全面辩证地分析数字化技术对中小微企业融资的正、负效应。研究结果表明，数字化技术提高了中小微企业的融资效率，同时也带来了信息泄露、财务负担以及市场管理风险等问题。本文据此提出相关建议，以期促进中小微企业的稳健发展。
MSMEs are the key to realize the rational allocation of social resources, and also the driving force to promote economic growth. Due to the limitations of its own characteristics, the problems of difficult financing process and high financing cost still restrict its development. Through the comprehensive research of scholars, the development trend of the market and the statistical analysis of relevant data, it is found that the application of digital technology provides a new way to solve the financing problems of MSMEs. This paper constructs the mechanism between digital technology and MSMEs financing, and analyzes the positive and negative effects of digital technology on MSMEs financing comprehensively and dialectically. The research results show that digital technology improves the financing efficiency of MSMEs, but also brings problems such as information leakage, financial burden and market management risks. This paper puts forward some suggestions to promote the steady development of MSMEs.