{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","title":"数字经济：内涵与路径","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787521745023","requested_by":"printed_page","book":{"source_type":"original_book","book_id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","uuid":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","title":"数字经济：内涵与路径","normalized_title":"数字经济内涵与路径","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787521745023","isbns":["9787521745023"],"parsed":true,"ai_readable":true,"document_type":"book","page_count":361,"navigation_url":"https://workshop.closeclaw.top/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f","title_url":"https://workshop.closeclaw.top/ai/title/%E6%95%B0%E5%AD%97%E7%BB%8F%E6%B5%8E%EF%BC%9A%E5%86%85%E6%B6%B5%E4%B8%8E%E8%B7%AF%E5%BE%84","fixed_page_url_template":"https://workshop.closeclaw.top/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/07d591c2-0f4c-45ac-a1d7-103c4807db8f","page_url":"https://workshop.closeclaw.top/api/ai/books/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page","search_url":"https://workshop.closeclaw.top/api/ai/books/07d591c2-0f4c-45ac-a1d7-103c4807db8f/search"},"page":{"printed_page":255,"pdf_page":254,"physical_index":254,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"741fa02ab5e987ff15d9ecb3b18e2b014e5138cf3df9cc5fbcbd07ad65cd7673"},"chapter":"第七章","content":"1.从产业链现代化的角度看\n\n第一，产业数字金融能系统性地解决产业链上中小微企业融资难题。数字技术赋能下的产业数字金融，将产业链上各企业主体经营情况全数字化、透明化，并通过保障全经营过程的可信性，让产业链上各类企业都能获得平等的金融服务。金融机构也能够在技术赋能帮助下直接深入中小微企业的经营过程，依据可信的资产与交易数据为企业提供直接的金融服务。发展产业数字金融不是对企业阶段性的政策扶持，而是一项长期的“管道疏通”工程，将成为提振产业链上民营中小微企业经营活力的一种长期有效的手段。\n\n第二，产业数字金融能为实体经济带来显著的降本增效。数字时代的规模效应，使得规则上哪怕只有1%的改变也会带来系统上的巨大变化。我国实体企业应收账款、应付账款和存量固定资产总额超100万亿元，如果通过在全社会大力发展产业数字金融，每降低企业这两块资产1%的融资利率，就能为实体企业释放总量超过1万亿元的融资成本。这在社会融资成本较高的民营中小微企业中，发挥的效果将更加显著。通过改变融资模式，可以为实体经济带来数万亿元规模的成本减负。\n\n第三，产业数字金融还能助力加速各实体产业自身的数字化转型，提高企业转型的积极性。产业数字金融和产业互联网是驱动实体企业数字化转型的两个轮子，要结合起来一起落地。企业数字化转型在软硬件上都可能有巨大的成本投入，这对本已处在较大经营压力下的民营中小微企业而言往往是难以承受的。通过构建产业数字金融体系，企业的数字化改造不仅给企业带来业务上的转型升级，还可以通过提供可信数据，让企业在较短时间内获得数字金融服务带来的降本增效实际便利，从而减轻企业数字化转型的成本压力。\n\n2.从金融稳定和发展的角度看\n\n255","previous_page":254,"next_page":256}