数字技术优化小微企业资金运作管理研究

Research on the Optimization of Small and Micro Enterprises’ Capital Operation Management by Digital Technology

摘要: 数字技术在社会中扮演着重要的角色，大数据、云计算、区块链等技术创新应用、“互联网+”蓬勃发展对小微企业资金运作管理产生了影响。本文聚焦数字技术在小微企业资金运作管理中的优化作用，探究小微企业在资金运作管理中如何应用数字技术实现资金的高效管理，同时应用TOE理论框架，结合大数据、人工智能、区块链等数字技术提出有针对性的优化措施，推动小微企业实现数字化转型。研究发现，数字技术在小微企业资金运作管理中对资金的运作、管理效果具有显著优势，能够为小微企业的数字化转型提供有力支撑。

Abstract: Digital technology plays a significant role in society. The innovative application of technologies such as big data, cloud computing, and blockchain, as well as the vigorous development of “Internet+”, have had an impact on the capital operation management of small and micro enterprises. This paper focuses on the optimization role of digital technology in the capital operation management of small and micro enterprises, explores how small and micro enterprises can apply digital technology to achieve efficient capital management, and proposes targeted optimization measures by combining the TOE theoretical framework with digital technologies such as big data, artificial intelligence, and blockchain. The research finds that digital technology has significant advantages in the operation and management of capital in small and micro enterprises and can provide strong support for the digital transformation of small and micro enterprises.