数字经济背景下中小企业融资难、融资贵问题研究

Abstract:Small and medium-sized enterprises（SMEs）have played an important role in economic and social development. Subject to the enterprises’ own weakness and market financing constraints，there is a mismatch between supply and demand in the financing of SMEs，which shows that financing is difficult and expensive. The development of the digital economy has provided new channels for financing of SMEs，which can effectively provide diversified services for enterprise liquidity，capacity utilization，technology upgrading and long-term development. Products provided by JD Group and practice of supply chain finance based on internet platform show that the digital economy can alleviate the problem of financing difficulty and high cost of SMEs. In order to make better use of the digital economy to provide financing services for SMEs，it is necessary to optimize information association and strengthen intelligent risk control through expanding chain cooperation，effectively replace mortgage assets with data assets，constantly optimize and expand platform functions，and enable financial technology to serve the development of SMEs.

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