創新金融科技對中小企業永續成長率的影響

本文的现实意义在于，现代金融科技近年来帮助小型企业解决了许多与融资和业务组织相关的问题。这些问题的有效解决将有助于小型企业提高增长速度，从而提升其对国内生产总值的贡献。小型企业的运营受多种宏观经济因素的影响，包括经济增长与危机的动态变化、政府监管以及融资渠道的可及性。因此，有必要分析企业适应现代金融科技的机制。本文评估了P2P借贷、支付系统、数字金融资产、人工智能和移动银行对企业发展的影响程度。研究对象是创新金融科技对小型企业可持续增长速度的影响。研究目的是探究金融科技因素对小型企业增长速度影响的因果关系。文章分析了创新金融科技在小企业的适用性，识别出影响其财务绩效的关键金融科技。此外，建立了金融科技对小型企业可持续增长速度影响程度的经济-数学模型。结论认为，本文提出的研究成果可供小型企业参考，用于制定利用创新金融科技管理增长因素的策略。

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