李小加：數字化時代金融機構賦能實體經濟應有新邏輯
11月12日，2024全球數字貿易大會在武漢卓爾萬豪酒店舉行。大會以主題分享、經驗交流的形式，共同探索新時代貿易模式的數智化、開放化變革趨勢，搭建產業提升與合作的平台。亞布力中國企業家論壇輪值主席、滴灌通集團創始人及主席李小加發表主題演講，深入探討數字化和金融服務實體經濟之道。
滴灌通集團創始人及主席李小加
李小加指出，數字化已經深刻改變了我們的購物方式、經濟生活方式，但集中式的金融服務模式比較普遍，企業要歷經嚴格的考驗才能獲得相應的金融支持。大資金難以流入小企業的核心問題在於，傳統的金融體系與數字化經濟的運作規則和框架需要進一步耦合。
他提出，金融行業需要重新審視與實體經濟、小微企業的關係，並改變其基礎邏輯，從以公司股權為標的的傳統模式轉變為以收入為基礎的新型模式。這種模式將允許投資者分享企業成長中階段性的收入回報，而不是長期持有公司的股權。金融機構未來也要通過數字化技術和平台，實現對小企業的數字化識別和投資，更好地服務小店小企等小業態，從而推動整個經濟體系的數字化轉型。
李小加介紹，基於這樣的邏輯，他希望滴灌通能產生新型的交易所，在澳門開發了澳門交易所，是世界上第一個以收入分成為基礎的金融交易所。由此他解釋瞭如何通過建立一個數字化網絡，將投資者的資金引導至實體經濟中的各個節點企業，從而實現資金的有效配置和回報。
展望金融市場的未來，李小加認為它將經歷從嚴格挑選的“百貨大樓”向“淘寶、亞馬遜”等平台模式的轉變，實現從城市到農村的全面覆蓋，為實體經濟的發展提供更加精準和高效的金融服務。
當日上午，李小加出席了2024武漢（漢口北）商品交易會開幕式並作致辭。“新產品、新技術、新場景，展現漢交會影響力的新蝶變。”他説，近幾年武漢快速崛起為中國“開放的新沿海”令人感慨，漢正街小商品市場曾為市場經濟“對內搞活”的典範，如今漢口北市場正在續寫“貨到漢口活”的傳奇，已舉辦15屆的漢交會成為全國交流交融的經貿盛會，成為新時代內陸開放新高地的重要窗口。
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