Theoretical logic, practical dilemma and breakthrough path of digital finance enabling the development of micro and small enterprises
Xiao Jun
School of Finance, Harbin University of Commerce
DOI: https://doi.org/10.59429/bam.v7i1.9547
Keywords: Digital finance; Micro and small enterprises; Technology enablement
Abstract
Based on the background of the deep integration of digital economy and real economy, this paper systematically discusses the theoretical logic, practical dilemmas and breakthrough paths of digital financial empowerment for the development of small and micro enterprises. The study reveals that digital finance has significantly enhanced the universality and precision of financial services through the three-dimensional framework of technological empowerment, service reconfiguration and ecological synergy. However, in practice, there are multiple obstacles, such as imbalance in the capacity of the main body, contradiction in data governance, technology risk transmission and lag in institutional supply. The study proposes a breakthrough path: constructing lightweight digital tools and a credible data sharing mechanism; improving the “separation of powers” data governance system; implementing a regional digital literacy programme; and creating a “government, bank and insurance” risk-sharing ecosystem.
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