業界聲音｜邱寒：中小微企業的數字化轉型是數字經濟和實體經濟融合的關鍵

邱寒

貝寶進階副總裁

中國區首席執行官

Hannah QIU

SVP; China CEO, PayPal

問：數字技術正全面融入經濟社會發展的各個領域。如何彌合鴻溝，使數字經濟惠及更多群體？

答：過去十年裡，中國的數字經濟取得了長足進展，處于全球領先地位。在消費端，數字化已經滲透到人民生活的方方面面；在生産端，企業也在大量部署數字化解決方案，盡管仍然面臨一定挑戰，但數字經濟與實體經濟的融合已經是大勢所趨。

在這個過程中，中小微企業是實體經濟的重要組成部分，中小微企業的數字化轉型也是數字經濟和實體經濟融合的關鍵。數字經濟目前正在從現有形态的提升向全新模式的創新發展，對中小微企業的數字化轉型來說，數字化的金融和資金流通起到了重要的保障作用，包括數字化支付作為底層基礎設施的支撐作用。

PayPal是第一家獲準在中國提供線上支付的持牌外資公司。我們特别關注政府和監管機構幫助中小微企業推動實體經濟發展的相關政策。相比大型企業，中小微企業的抗風險能力相對較弱，更加需要政府和監管機構的扶持，同時也需要類似于PayPal這樣的平台公司，給予它們更多的幫助。正如本次論壇的主題，這是我們“共同的挑戰，共同的責任”之一。

問：科技進步給社會經濟帶來翻天覆地的變化，與此同時對勞動力提出了更多要求，一方面新進入市場的勞動力需要具備相應的技能；另一方面勞動力需要持續提升和掌握新技能。政府和企業應該如何提供相應的教育訓練以使勞動力跟上技術的變遷？

答：科技進步勢必會為企業發展帶來陣痛期。企業需要從人員思維轉換、技能比對以及技能轉型等方面着手，提供有利于人員技能提升和職業發展的資源和管道，全面增強團隊韌性。

PayPal作為一家跨國企業，我們為員工提供豐富的職場教育訓練和職業能力提升機會，定期邀請職場專業人士開展講座，分享工作經驗，傳授如何提升職業能力，緩解員工壓力等；同時，公司還通過PayPal Learning Academy提供大量線上課程，鼓勵員工進行職業技能和經驗提升。2023年，公司在中國倡導推動了多項以實戰練習為途徑的教育訓練，均取得了積極回報和效果。

此外，政府為企業提供的各種針對教育訓練的補貼和扶持，特别是對先進的科技型企業加大扶持力度，對于領先的科技型人才給予政策，對于企業數字化轉型、提升員工技能教育訓練也具有切實的意義。

Q: Digital technology is being integrated into every aspect of socioeconomic development. How should we bridge the gap so that the digital economy can benefit more groups?

A: Over the past decade, China’s digital economy has made significant progress and is in a leading position globally. On the consumer side, digitalization has permeated every aspect of many people’s lives; on the production side, enterprises are also deploying digital solutions on a large scale. Although there are still specific challenges, integrating the digital economy with the real economy is increasingly the reality.

Micro, small and medium-sized enterprises (MSMEs) make up a significant part of the real economy, and their digital transformation is critical to integrating the digital and real economies. The digital economy is evolving from enhancing its existing forms to innovating new models. For the digital transformation of MSMEs, digital finance and circulation of funds play a crucial role in ensuring this transition, including the support provided by digital payments as a foundational infrastructure.

PayPal is the first foreign company licensed to provide online payment services in China. We pay special attention to the policies of the government and regulatory authorities that help MSMEs promote the development of the real economy. Compared to large enterprises, MSMEs have relatively weaker risk tolerance and resistance and need more support from the government and regulatory bodies. They also need support from companies like PayPal to provide them with more help. As the theme of this forum suggests, this is one of our “common challenges, shared responsibilities.”

Q: Advances in science and technology place new demands on labor. New entrants to the labor market require the right skills, while the labor force, on the whole, needs to upgrade and master new skills. How should governments and enterprises provide the necessary training to help the labor force keep up with changes in technology?

A: Technological progress is bound to bring a period of growing pains for businesses. Companies need to start with people, specifically the mindsets of employees, skill matching, and transferrable skills, providing resources and channels that facilitate skill enhancement and career development. By doing so, the company can inherently strengthen the team’s resilience. As a multinational company, PayPal offers our employees a wealth of workplace training and career development opportunities, regularly inviting professionals to give talks, share work experiences, teach how to enhance professional skills, and alleviate employee stress, among other topics. Additionally, the company provides many online courses through the PayPal Learning Academy, encouraging employees to enhance their professional skills and experience. In 2023, the company advocated and launched multiple training initiatives in China focusing on practical exercises, which have received positive feedback. In addition, the various subsidies and support governments provide to companies for training have tangible significance for enhancing employee skills. In particular, advanced technology companies should receive increased support, and leading tech talents should be given incentives backed by policies.