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经济双循环背景下中小企业的机遇、挑战与成长的着力点
引用本文:陆岷峰,徐阳洋.经济双循环背景下中小企业的机遇、挑战与成长的着力点[J].西南金融,2021(1).
作者姓名:陆岷峰  徐阳洋
作者单位:南京工业大学互联网金融创新发展研究中心;利安人寿股份有限公司董事会办公室
摘    要:经济双循环是党和国家根据国内外复杂政治经济形势而提出的新发展格局,这一战略一方面给中小企业创造良好的发展机会,新消费需求扩容增效以及新一轮基建将给中小企业尤其是科技型中小企业带来重大发展机遇,中小企业依附核心企业发展的动能增加,小微金融有望得到快速发展,内贸型中小企业将迎来更加稳定的发展环境。但另一方面双循环战略也给中小企业造成一定的冲击,其中出口型中小企业可能发生断单与断链现象,传统落后行业的中小企业将加速被市场淘汰,不积极参与供应链的中小企业将难以持久。为此,中小企业应该积极转变观念;外贸型中小企业积极将出口产品转内销;跨境电商打通消费通道,挖掘新的消费需求。政府部门继续加强固定资产投资,扩大国内消费需求度;努力优化营商环境,提高政企的密切度;持续扶持中小企业,提高员工收入水平。金融机构应加强产品研发,积极推出线上化产品,深入发展供应链金融业务。

关 键 词:双循环经济  中小企业  产业链  供应链金融  小微金融  新型消费  新基建  跨境电商

Opportunities,Challenges and Growth Points of SMEs under the Background of Economic Double Cycle
Lu Minfeng,Xu Yangyang.Opportunities,Challenges and Growth Points of SMEs under the Background of Economic Double Cycle[J].Southwest Finance,2021(1).
Authors:Lu Minfeng  Xu Yangyang
Abstract:The economic double cycle is a new development pattern proposed by the party and the country based on the complex political and economic situation at home and abroad.On the one hand,this strategy creates good development opportunities for SMEs,expansion and increase of efficiency of new consumer demand and the new round of infrastructure will give SMEs,especially technological SMEs,bring significant development opportuni?ties.Besides,Kinetic energy of SMEs which rely on the development of core enterprises will increase,small and mi?cro finance is expected to develop rapidly,and domestic trade-based SMEs will usher in a more stable development environment.On the other hand,the dual-cycle strategy also has a certain impact on SMEs,export-oriented SMEs may have broken orders and chains.SMEs in traditional backward industries will be eliminated by the market at an accelerated rate.SMEs that do not actively participate in the supply chain will not be able to last.To this end,SMEs should actively change their concepts.Foreign trade-based SMEs should actively transfer their export products to domestic sales.Cross-border e-commerce should open up consumption channels and tap new consumer demands.Government departments should continue to strengthen investment in fixed assets and expand domestic consumer demand,strive to optimize the business environment and increase the closeness of government and enterprises,con?tinue to support SMEs and increase employee income.Financial institutions should strengthen product research and development,actively launch online products,and further develop supply chain financial services.
Keywords:dual circular economy  SMEs  industrial chain  supply chain finance  small and micro finance  new consumption  new infrastructure  cross-border e-commerce
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