Financing innovation path of small and micro enterprises under digital Inclusive Finance

Abstract

small and micro enterprises are an important part of China’s market economy and play an important role in promoting
economic development, providing jobs and increasing taxes. Due to the unstable capital fl ow and weak fi nancial anti risk ability of small
and micro enterprises, they are faced with the problems of diffi cult and expensive fi nancing. Small and micro enterprises should seize the
opportunity of digital Inclusive Finance, actively cooperate with commercial banks, obtain more accurate fi nancial information, and reduce
fi nancing costs; Pay attention to their own corporate credit, improve the pass rate of bank loan application, and further improve their own
fi nancing ability. Banks and fi nancial institutions should establish a digital fi nancial supervision system and improve the credit guarantee
system for small and micro enterprises; Establish a multi-level digital inclusive fi nancial service system, expand fi nancing channels, and get
out of the fi nancing diffi culties of small and micro enterprises.