文献类型：期刊文献

中文题名：金融科技如何助力小微企业融资——文献评析与展望

英文题名：How Fintech Helps Small and Micro Enterprises Financing——Literature Review and Prospect

作者：韩莉[1];宋路杰[1];张杨林[2];赵睿[1]

第一作者：韩莉

机构：[1]北京联合大学管理学院,北京100101;[2]中国工商银行股份有限公司杭州分行,浙江杭州310011

第一机构：北京联合大学管理学院

年份：2021

期号：S01

起止页码：287-296

中文期刊名：中国软科学

外文期刊名：China Soft Science

收录：CSTPCD;;北大核心:【北大核心2020】；CSCD:【CSCD2021_2022】；CSSCI:【CSSCI2021_2022】；

基金：国家社科基金项目“增强民营经济韧性的精准进入支持机理与路径研究”(19BJL059)。

语种：中文

中文关键词：金融科技;小微企业;文献数据计量

外文关键词：fintech;small and micro enterprises;bibliographic data measurement

摘要：2021年是"十四五"开局之年,各方高度关注小微企业稳定健康发展,可否通过金融技术更好地解决小微企业融资的信息不对称等关键问题,受到学术界的广泛关注。本文结合文献数据计量、可视化数据分析和相关文献调研的研究方法,总结归纳目前国内外学者在该领域的研究现状。结果显示,运用金融科技解决小微企业融资问题已经成为一个重点研究领域,通过加强金融科技企业的平台生态体系建设,创新金融科技与商业银行的合作模式,加快推进监管科技,完善基于数据的征信体系建设都有助于小微企业的健康可持续发展。提出研究展望:基础理论深度和后效实现研究有待深化、丰富多元研究方法的适用性有待提升、紧跟国家战略和政策开拓金融科技问题的研究新边界。
2021 is the first year of the"14th Five-Year Plan".All parties pay close attention to the stable and healthy development of small and micro enterprises,and whether financial technology can better solve the key issues of information asymmetry in small and micro enterprise financing has received extensive attention from the academic community.This paper combines the research methods of literature data measurement,visual data analysis and related literature research,and summarizes the current research status of domestic and foreign scholars in this field.The results show that the use of financial technology to solve the financing problems of small and micro enterprises has become a key research area.By strengthening the construction of the platform ecosystem of financial technology enterprises,innovating the cooperation model of financial technology and commercial banks,accelerating the promotion of regulatory technology,and improving data-based taxation.The construction of a credit system is conducive to the healthy and sustainable development of small and micro enterprises.Finally,weputforwardtheconclusion:weneedtodeepen the research on the depth of basic theory and the realization of aftereffects,improve the applicability of rich and diverse research methods,and keep up with the national strategy to open up a new boundary for further research.