互联网金融助推小微企业融资的案列分析——以阿里金融为例

Analysis on Financing Cases of Internet Financial Boost of Small and Micro Businesses: Taking Ali as an Example

伴随移动支付、社交网络、大数据和云计算等互联网信息技术的飞速发展,大众消费方式的改变以及现代金融理念的革新,互联网与金融业的相互融合和渗透日益深化。小微企业对于经济的发展做出了巨大的贡献,但是小微企业的融资问题却也一直存在。理论界针对小微企业融资问题的研究一直在进行,但是由于国家经济结构与现有政策的限制,小微企业融资问题一直没有得到根本的解决。互联网金融的产生,使得彻底解决小微企业融资问题成为了可能。互联网金融有六大模式并具有大数据优势与低成本优势,对小微企业存在融资困境进行理论分析能够得到相应的解决方法,阿里巴巴公司就是很好的实例。

with the rapid development of mobile payment, social networks, big data and cloud computing such as Internet information technology, mass consumption patterns change and innovation of modern financial theories, Internet and financial deepening mutual integration and penetration. Small and micro businesses and made great contribution to the economic development, but the problem of financing Small and micro businesses have also been there. Research on small micro enterprise financing problems theorists have been in progress, but because of the national economic structure and the limitations of existing policies, small micro enterprise financing problems have not been fundamentally resolved always. Internet finance makes completely solve the small micro enterprise financing problems become possible. Internet Finance six major models as well as the advantages of the Internet financial data of low cost advantage, and the small micro enterprise financing difficulties and the existing analysis methods are put forward to solve the theory, finally by analyzing the example of Alibaba small micro finance.