互联网金融背景下小微企业融资模式研究

近年来来,随着信息技术和互联网技术的高速发展速发展,互联网金融应运而生,这有效拓展了资金需求与供给新渠道,提高了资金融通的效率,打破了金融垄断,创新了金融服务模式,开创了我国金融服务领域的新局面。本文从传统金融服务背景下小微企业融资现状入手,指出了传统银行与小微企业自身存在的问题问题,结合互联网金融的平台优势结、大数据优势及组合优势优势,分析了电商平台、P2P等互联网金融模式为小微企业提供的投融资新渠道,认为互联网金融手续简便、方式灵活,满足了草根企业的金融需求,是现有银行体系的有益补充。本文还就互联网金融监管措施进行了探析。

With the rapid development of information technology and Internet technology in recent years, the generation of the Internet finance has expanded effeetively the needs and new supply channels of capital, boosting the efficiency of financing, breaking financial monopoly, innovating the mode of financial service, and initiating a new phase of financial service in our country. Beginning with the current financing situation under the background of traditional financial services, this paper discusses the problems in traditional banks and small and micro enterprises. On the basis of advantages of the Internet financial platform, big data and combination, this paper analyzes the new investment and financing channels for small and micro enterprises provided by electric business platform, P2P and other Intemet financial modes. Because of simple procedures and flexible ways, they meet the financial needs of grassroots enterprises, and are beneficial supplements to the present banking system. In addition, this paper explores the Internet financial regulations.