互联网金融模式下小微企业融资问题研究

The Research of Small Micro-Enterprise Financing Problems Based on the Internet Financial Mode

随着互联网金融模式的发展,低成本、高效率、无需抵押的服务特征,将有利于小微企业解决长久以来抑制其发展的融资问题。互联网金融的三种模式各有其经营优势和劣势。信息透明度好,交易成本低,地域性被破除,但风险也充斥于其中。为规避风险,应严密监管体系,强化信用体系,加强自律。

With the development of the Intemet financial model, service characteristics of low cost, high efficiency, and no mortgage, will be good for small micro - enterprises to solve the financing problem which has long restrain its development. The article embarks from the current situation of the development of the In- ternet financial model, on the analysis of the current financing function, on the basis of the three modes, to explore the advantages of the Internet financial model to promote small micro - enterprise financing, existing problems and put forward corresponding countermeasures.