后疫情时代数字普惠金融支持昆明市中小微企业纾困实践研究

Digital Inclusive Finance Supports Kunming City in the Post-Epidemic Era Research on Bailout Practice of Small, Medium and Micro Enterprises

摘要: 2020年初疫情以来，短时间内的居家隔离、停产等使得大量中小企业陷入困境，中央和地方相继出台多项金融政策为中小企业纾困。后疫情进入了常态化管理与控制阶段，中小微企业作为解决就业，拉动经济增长的重要市场组成部分，是建设现代化经济体系、推动高质量发展的基础。这类企业的复产复工、后续发展都需要得到重视，国家政策组合拳及时到位，充分发挥了体制优势，据此本文调研昆明市中小微企业的金融需求，寻找国家层面、云南省层面以及昆明市所出台的政策以及其他努力，找到普惠金融供给与需求之间存在着资源错配、政策宣传不到位、缺乏长效的监督机制等问题，据此给出相应的政策意见，企业应该努力发展自身增收与节支并行，稳住现金流量，引入高素质管理人才、数字化人才，提升企业实力，推动合作机会，互帮互助渡过难关。政府要建设数字化基础设施，逐步改善所辖地区的制度环境，在宏观政策的指引下，强化数字基础设施的全面维护建立完备的风险提示和披露机制，进而加强对数字普惠金融的信心，才能帮助中小企业进行融资行为。地方政府和金融机构应当并肩作战，提升政策扶持中小企业的精准有效，最终实现稳增长、稳就业，使得经济产生高质量发展。

Abstract: Since the COVID-19 in early 2020, a large number of small and medium-sized enterprises have been in trouble due to home isolation and production suspension in a short period of time. The central and local governments have successively introduced a number of financial policies to rescue small and medium-sized enterprises. The post pandemic has entered a stage of normalized management and control. As an important market component for solving employment and driving economic growth, small and micro enterprises are the foundation for building a modern economic system and promoting high-quality development. The resumption of production and work, as well as the subsequent development of such enterprises, need to be given attention. The combination of national policies has been put in place in a timely manner, fully leveraging the institutional advantages. Based on this, this article investigates the financial needs of small and medium-sized enterprises in Kunming, searching for policies and other efforts introduced at the national level, Yunnan Province level, and Kunming City, and identifies resource mismatches and inadequate policy promotion between the supply and demand of inclusive finance Based on the lack of a long-term supervision mechanism and other issues, corresponding policy opinions are given. Enterprises should strive to develop their own income growth and expenditure savings, stabilize cash flow, introduce high-quality management and digital talents, enhance enterprise strength, promote cooperation opportunities, and help each other overcome difficulties. The government needs to build digital infrastructure, gradually improve the institutional environment in its jurisdiction, strengthen the comprehensive maintenance of digital infrastructure under the guidance of macro policies, establish a complete risk warning and disclosure mechanism, and strengthen confidence in digital inclusive finance in order to assist small and medium-sized enterprises in financing behavior. Local governments and financial institutions should work together to improve the precision and effectiveness of policy support for small and medium-sized enterprises, ultimately achieving stable growth, employment, and high-quality economic development.