业界声音｜邱寒：中小微企业的数字化转型是数字经济和实体经济融合的关键

邱寒

贝宝高级副总裁

中国区首席执行官

Hannah QIU

SVP; China CEO, PayPal

问：数字技术正全面融入经济社会发展的各个领域。如何弥合鸿沟，使数字经济惠及更多群体？

答：过去十年里，中国的数字经济取得了长足进展，处于全球领先地位。在消费端，数字化已经渗透到人民生活的方方面面；在生产端，企业也在大量部署数字化解决方案，尽管仍然面临一定挑战，但数字经济与实体经济的融合已经是大势所趋。

在这个过程中，中小微企业是实体经济的重要组成部分，中小微企业的数字化转型也是数字经济和实体经济融合的关键。数字经济目前正在从现有形态的提升向全新模式的创新发展，对中小微企业的数字化转型来说，数字化的金融和资金流通起到了重要的保障作用，包括数字化支付作为底层基础设施的支撑作用。

PayPal是第一家获准在中国提供在线支付的持牌外资公司。我们特别关注政府和监管机构帮助中小微企业推动实体经济发展的相关政策。相比大型企业，中小微企业的抗风险能力相对较弱，更加需要政府和监管机构的扶持，同时也需要类似于PayPal这样的平台公司，给予它们更多的帮助。正如本次论坛的主题，这是我们“共同的挑战，共同的责任”之一。

问：科技进步给社会经济带来翻天覆地的变化，与此同时对劳动力提出了更多要求，一方面新进入市场的劳动力需要具备相应的技能；另一方面劳动力需要持续提升和掌握新技能。政府和企业应该如何提供相应的培训以使劳动力跟上技术的变迁？

答：科技进步势必会为企业发展带来阵痛期。企业需要从人员思维转换、技能匹配以及技能转型等方面着手，提供有利于人员技能提升和职业发展的资源和渠道，全面增强团队韧性。

PayPal作为一家跨国企业，我们为员工提供丰富的职场培训和职业能力提升机会，定期邀请职场专业人士开展讲座，分享工作经验，传授如何提升职业能力，缓解员工压力等；同时，公司还通过PayPal Learning Academy提供大量在线课程，鼓励员工进行职业技能和经验提升。2023年，公司在中国倡导推动了多项以实战练习为途径的培训，均取得了积极反馈和效果。

此外，政府为企业提供的各种针对培训的补贴和扶持，特别是对先进的科技型企业加大扶持力度，对于领先的科技型人才给予政策，对于企业数字化转型、提升员工技能培训也具有切实的意义。

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.