商业银行数智金融对小微企业授信的影响研究.pdfVIP

就术鶴济•管理耐究2022年第7期 商业银行数智金融对小微企业授信的影响研究 夏天添 （1•江西科技学院学术委员会，江西南昌330098; 2.江西省区域发展研究院，江西南昌330000） 摘 要：小微企业融资难、融资贵已成为 “十四五”时期阻碍中国经济高质量发展的主要因素，而数智金融是新时代背景 下，商业银行究破银企之间信息不对称的有力工具。故而，为探索数智金融对商业银行的赋能，提高其对小微企业授信的供给 力度，文章以中国98家上市商业银行为对象，通过Python技术与构建计量模型的方式展开研究。结果显示：数智金融将削弱 信息不对称对小微企业的授信门槛，进而加大商业银行对小微企业授信的供给力度；同时，该机制会受商业银行所在地（区域） 数字经济发展水平的影响。进而，文章建议相关商业银行应加大对金融科技的重视与投入，加大对小微企业授信产品的开发， 以更好地为中国各大小微企业提供金融支持，进一步加快中国经济高质量发展进程。 关键词：数智金融；信息不对称；授信门槛；小微企业授信 中图分类号：F276.3 文献标识码：A 文章编号：1004-292X（2022）07-0066-06 Commercial Bank Financial Science and Technology Innovation and Small and Micro Enterprise Credit XIA Tian-tian (1. Academic Committee, Jiangxi University of Technology, Nanchang Jiangxi 330098, China； 2. Regional Development Research Institute of Jiangxi Provice, Nanchang Jiangxi 330000, China) Abstract: The problem of difficult and expensive financin of small and micro enterprises has become the main factor hinderin the high-quality development of Chinas economy durin the 14th Five Year Plan period, and financial science and technology innovation is a powerful tool for commercial banks to break through the information asymmetry between banks and enterprises under the background of the new era. Therefore, small and imcro businesses are awesome to explore how to empower the commercial banks and how to improve their credit to small and micro enterprises. This study focuses on 98 listed commercial banks in China, and studies the way of buildin the econometric model through the Python Technology. The results show that financial science and technology innovation will weaken the credit threshold requirements of information asymmetry for small and micro enterprises, and then improve the support or willingness of