关键词: 数字技术, 实体经济, 融资

Abstract: “ Difficult and expensive financing ” is a major problem that plagued real economy enterprises. The development and application of digital technology can effectively alleviate the pain points such as difficult risk control,weak capabilities, and high costs, thereby enhancing the level of financial services in the real economy. In recent years, both in the field of credit and direct financing such as bond financing and equity financing, successful experiences and typical models that use digital technology to solve corporate financing problems have emerged. At the same time, the application of digital technology in the construction of the social credit system is also getting deeper,and the social environment for corporate financing is constantly being optimized. However, digital technology still faces many problems and challenges in supporting the financial services of the real economy in terms of basic support,technology application, security, and development environment. The next step is to promote the continuous expansion and deepening of digital technology applications through comprehensive optimization of factor supply, application ecology, regulatory mechanisms, and security guarantees, and help real economy enterprises obtain lower threshold and more efficient financial support.

Key words: digital technology, real economy, financing