互联网金融缓解小微企业融资难问题研究

A study on the ease of financing difficulty of small and micro firms by Internet finances

融资难一直是制约小微企业发展的瓶颈。随着互联网金融的飞速发展和日渐完善,为小微企业融资提供了新的思路和途径。互联网金融可从提高参与主体信息的透明度、减少金融服务的交易成本、挖掘潜在小微企业金融服务的供需双方等方面,在缓解小微企业融资难上发挥独特作用。

Financing difficulty has been the bottleneck of restricting the development of small and micro businesses. Internet finance has been developed very fast in the recent years and could provide a new way for small and micro businesses financing. Internet finance would play an important role by improving the information transparency, reducing the transaction cost of financial services and digging the supply and demand of the potential financial service.