【摘要】 小微企业遍布各行各业,是我国国民经济的重要组成部分。然而,小微企业在经营过程中普遍融资难、融资贵,极大压缩了它们的生存和发展空间。研究认为近年来兴起的金融科技将有助于破解小微企业融资难、融资贵的困局。信用贷款是小微企业获取贷款的最可行方式。通过探讨金融科技在小微企业信用贷款中风险控制的新思路,以期破解小微企业融资困局。更多还原

【Abstract】 Small and micro enterprises are located in various industries and are an important part of China’s national economy. However, because small and micro enterprises generally encounter financing difficulties and expensive financing in the course of business, they greatly reduce their survival and development space. This paper believes that the rise of financial technology in recent years will help to solve the dilemma of financing difficulties and financing for small and micro enterprises. Credit loans are the most viable way for small and micro enterprises to obtain loans. In order to solve the dilemma of small and micro enterprise financing, this paper explores the new ideas of financial technology in the risk control of small and micro enterprise credit loans.更多还原