摘要

数字金融是现在金融行业发展的主要趋势。随着银行、保险和证券电子化、信息化的程度越来越深入，数字金融在整个金融系统中不断发展，深入金融行业的每一个角落。尤其是在中国，随着移动支付、区块链等数字金融应用越来越广泛，数字金融也在逐渐改变着中小企业的融资方式。中小企业由于自身资产较少，融资能力较差，一旦市场出现变化就有可能导致资金链的断裂，影响企业的持续发展。通过大数据和云计算等科技技术的变革，数字金融使得传统金融所忽视的中小企业也能得到适合的金融服务。本文对南通地区中小企业进行调查，分析数字金融对中小企业的影响，深入思考，找出数字金融服务于中小企业的过程中存在的问题，积极探索，提出相应的建议。

关键词：数字金融 中小企业 发展 创新

Nantong digital finance services for small and Medium Enterprises

Summary

Digital finance is the main trend of the development of the financial industry.With the more and more in-depth electronization and informatization of banking, insurance and securities,digital finance continues to develop in the whole financial system and penetrates into every corner of the financial industry. Especially in China, with the increasingly wide application of digital finance such as mobile payment and blockchain,digital finance is also gradually changing the financing methods of small and medium-sized enterprises. Small and medium-sized enterprises due to their own less assets,poor financing ability,once the market changes may lead to the rupture of the capital chain, affecting the sustainable development of enterprises. Through technological changes such as big data and cloud computing,digital finance enables SMEs, which are ignored by traditional finance, to obtain suitable financial services. This paper investigates small and medium-sized enterprises in Nantong region,analyzes the impact of digital finance on small and medium-sized enterprises,makes in-depth thinking, finds out the problems existing in the process of digital finance serving small and medium-sized enterprises, actively explores, and puts forward corresponding suggestions.

Keywords: Digital Finance Small and medium-sized enterprises, Development Innovation