{"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":42,"pdf_page":41,"physical_index":41,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"3a02ea468695a6b607a61bec6e2c52338fbc019a40012e6223b221dfcb150511"},"chapter":"数字","content":"在数字经济时代，发展数字金融同样不是对前面三种金融服务模式的否定，并不是有了数字金融就不需要商业银行的基本规则了。这是前几年中国互联网金融发展陷入的一个误区：金融创新脱离实体经济需要而单独发展。那么，从实体经济出发，数字时代最需要补充的金融体系是什么？从全球的实践中不难发现，现有的金融体系难以服务缺乏主体信用的广大中小微企业。这个问题由来已久，前三次工业革命中小企业数量、规模都不是很大的时候，社会只要解决好主体企业的金融需要，就可以稳定发展；而数字时代中小微企业蓬勃发展，已经成为任何一个产业生态中不可或缺的重要组成部分，因此忽视它们的金融需要，将会动摇整个产业的数字化发展。各国政府、金融机构都在力图解决中小微企业融资难、融资贵的问题，但是成效都不太明显。也就是说，第四次工业革命要补上的金融短板，就是如何用数字技术发展数字金融，满足中小微企业的金融需求，这是对以主体信用为核心的传统金融理论体系的巨大挑战。\n\n42","previous_page":41,"next_page":43}