互联网金融模式下的创业融资问题研究——以吉林省为例

The Study on Venture Capital Financing of Internet Financial Mode——Based on the Data of Jilin Province

创业企业由于信息不对称和发展的高度不确定性一直存在融资难的问题。随着创业企业数量的跨越式增长,这一问题更加凸显。互联网金融为解决这一问题提供了一条新思路。基于吉林省81家创业企业的问卷调查,通过数据分析吉林省创业企业融资状况,结果表明互联网金融能够有效实践长尾理论、解决信息不对称问题、显著降低交易成本并且大大缩短贷款周期,但是也存在数据安全和金融监管的潜在风险。

Due to the asymmetry of information and the high uncertainty of development, entrepreneurial enterprises have long been financing problems, the problems become more prominent with the number of entrepreneurial enterprises grows by leaps and bounds. Internet finance provides a new way to solve the problems. Based on the questionnaire investigation of the 81 entrepreneurial enterprises in Jilin province, analyzing the financing status of entrepreneurial enterprises in Jilin Province through the data, the results show that the internet finance can effectively practice of the long tail theory, solve the problem of informa- tion asymmetry, significantly reduce transaction costs and shorten the loan period, but there are also the potential risks of data security and financial supervision and regulation.