数字普惠金融纾解专精特新中小企业融资难的路径研究——以保定市为例
Research on the Path of Digital Inclusive Finance to Relieve the Financing Difficulties of Specialized and New SMEs—Taking Baoding City as an Example

近几年，国家开始鼓励中小企业走“专精特新”之路，因此专精特新中小企业成为热点话题，但即使政府为专精特新中小企业提供融资支持，其融资难的问题依旧没有得到很好地解决。本文将梳理保定市专精特新中小企业的现状、融资情况，结合数字普惠金融的收集和处理信息效率高、技术创新以及不受时间和空间限制等优势，来探索数字普惠金融纾解专精特新中小企业融资难的路径，并给出数字普惠金融促进中小企业融资的相关政策建议。
In recent years, the government has begun to encourage small and medium-sized enterprises to take the path of “Specialized, Fined, Peculiar and Innovative”, making it a hot topic. However, even though the government provides financing support for these enterprises, their financing difficulties have not been well resolved. This article will review the current situation and financing situation of Specialized and New SMEs in Baoding City. Combining the advantages of digital inclusive finance, such as high information collection and processing efficiency, technological innovation, and no time and space constraints, we will explore the path of digital inclusive finance to alleviate the financing difficulties of Specialized and New SMEs, and provide relevant policy recommendations for promoting financing of small and medium-sized enterprises through digital inclusive finance.