党的二十大报告提出营造有利于科技型小微企业成长的良好环境，支持专精特新企业发展，该举措释放了鼓励小微企业自主创新的明确信号，对于广大小微企业无疑将产生重要而深远的积极影响。从中国实践来看，小微企业占中国市场主体的95%以上，为全国贡献了80%的就业，在专利发明、GDP、税收上的贡献比例分别为70%、60%、50%，为中国国民经济的发展贡献了重要力量。但小微企业财务脆弱性显著，融资需求与金融供给侧的矛盾突出。虽然中国持续加码小微信贷，使其贷款数额有所增加，但相当一部分小微企业仍面临融资困境，无法获得贷款，限制了小微企业自身的发展以及功能的发挥。与此同时，金融与科技的融合改变了金融业的运行机制，金融科技企业通过新兴技术的应用，使其业务范围扩展到长尾小微客户，为小微企业的融资带来了新的平台。在此背景下，本文通过分析金融科技赋能小微企业信贷融资的模式，重点对金融科技企业在解决小微企业融资问题上的优势、显现出的问题以及存在的风险进行评价，并选取平安普惠为案例进行剖析。最后，通过金融科技促进小微企业融资规模化发展提升中国小微企业贷款效率，拓宽小微企业在中国金融领域的融资渠道，降低小微企业融资成本赋能小微企业缓解融资难融资贵问题。

本文共分为六部分：第一部分为研究背景、研究意义和国内外文献综述等；第二部分对金融科技、小微企业相关概念以及文章理论基础进行阐述；第三部分对金融科技赋能小微企业信贷融资的现状进行分析，结果表明，近年来中国小微企业融资规模持续扩张、融资渠道不断拓宽，并且在金融科技的支持下，信贷融资覆盖了更多的长尾小微客户。第四部分选取陆金所控股旗下平安普惠为例，分析平安普惠主要通过“AI+O2O”融资模式、“金融+经营”双轮驱动模式以及“5+3”创新融资模式支持小微企业融资；第五部分重点对平安普惠赋能小微企业融资的成效，存在问题以及存在问题的原因进行了分析，发现陆金所控股旗下平安普惠公司通过拓宽融资渠道、降低融资费率以及提高贷款效率等方式促进了小微企业的可持续发展。第六部分对文章进行总结分析并从完善征信体系、加强金融科技监管等几方面提出优化建议。

关键词：金融科技 小微企业 信贷融资

Abstract

The report of the 20th National Congress of the Communist Party of China proposes to create a good environment conducive to the growth of technological small and micro enterprises and support the development of specialized, specialized, and new enterprises. This measure has released a clear signal to encourage independent innovation by small and micro enterprises, which will undoubtedly have an important and far-reaching positive impact on the majority of small and micro enterprises. From the perspective of China's practice, small and micro enterprises account for over 95% of the market share in China, contributing 80% of employment to the country, and contributing 70%, 60%, and 50% to patent inventions, GDP, and tax revenue, respectively, making an important contribution to the development of China's national economy. However, the financial fragility of small and micro enterprises is significant, and the contradiction between financing demand and financial supply side is prominent. Although China continues to increase the amount of loans to small and micro enterprises, a significant number of small and micro enterprises still face financing difficulties and are unable to obtain loans, limiting their own development and functioning. At the same time, the integration of finance and technology has changed the operating mechanism of the financial industry. Through the application of emerging technologies, financial technology enterprises have expanded their business scope to small and micro customers in Long Tail, bringing a new platform for financing small and micro enterprises. In this context, this article focuses on evaluating the advantages, emerging problems, and existing risks of financial technology enterprises in solving the financing problems of small and micro enterprises by analyzing the model of financial technology enabling credit financing for small and micro enterprises, and selects Ping An Pratt&Whitney as a case for analysis. Finally, through financial technology to promote the large-scale development of small and micro enterprises' financing, improve the loan efficiency of small and micro enterprises in China, broaden the financing channels for small and micro enterprises in the Chinese financial field, reduce the financing costs of small and micro enterprises, and enable small and micro enterprises to alleviate the financing difficulties and expensive issues.

This article is divided into six parts: The first part is the research background, significance, and literature review at home and abroad; The second part includes the elaboration of concepts related to financial technology, small and micro enterprises, and the theoretical basis of the article; The third part mainly analyzes the current situation of financing for small and micro enterprises enabled by financial technology in China; The results show that in recent years, the financing scale of small and micro enterprises in China has continued to expand, and the financing channels have continuously widened. With the support of financial technology, credit financing has covered more long-tailed small and micro customers. The fourth part selects Ping An Pratt&Whitney, a subsidiary of Lujin Holding, as an example to analyze that Ping An Pratt&Whitney mainly supports small and micro enterprises' financing through the "AI+O2O" financing model, the "finance+operation" dual wheel drive model, and the "5+3" innovative financing model; The fifth part focuses on the analysis of the effectiveness, problems, and reasons for the financing of small and micro enterprises with Ping An Inclusive Empowerment. The sixth part mainly summarizes and analyzes the article and proposes optimization suggestions from several aspects such as improving the credit reporting system and strengthening financial technology supervision. Through research, it is found that Ping An Pratt&Whitney, a subsidiary of Lujinsuo, has promoted the sustainable development of small and micro enterprises by broadening financing channels, reducing financing rates, and alleviating information asymmetry.

Key words: Financial technology; Small and micro enterprises; Credit financing