数字金融如何促进企业的高质量发展? :来自中国的证据
Mingrui Li1, Jin Hu2, Pengzhen Liu1
1School of Economics, Jinan University, Guangzhou, 510632, China.
概括
数字金融通过改善融资准入和纠正市场不匹配,大大促进了微型企业的发展. 金融监管增强了数字金融.
科学领域:
- 经济学 经济学 经济学
- 金融技术 金融技术
- 商业发展 商业发展
背景情况:
- 数字金融将传统金融与新兴技术相结合,影响了微型企业的增长.
- 新兴技术正在改变金融格局,为企业创造新的机会和挑战.
研究的目的:
- 研究数字金融对微型企业发展的影响,重点关注机制-库存优化和创新.
- 分析数字金融如何纠正不匹配,改善中小企业 (SMEs) 的缺陷.
主要方法:
- 使用北京大学2011-2018年数字包容性金融指数.
- 分析来自中小企业 (SMEs) 的数据,以评估数字金融的影响.
主要成果:
- 数字融资显著提高了企业的高质量发展.
- 数字金融有效地纠正了规模,属性,阶段和行业不匹配,同时缓解了融资约束.
- 具有高融资限制和杆的公司仍然面临限制,金融监管改善了数字金融的经济表现.
结论:
- 数字金融为微型企业的发展和经济增长提供了显著的好处.
- 政策干预和金融监管对于最大限度地发挥数字金融的积极影响至关重要.
- 调查结果支持加深金融供给侧结构性改革,更好地服务于实体经济.
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