中小企业互联网融资机制创新研究

Research on the Innovation of Small and Medium Sized Enterprise Internet Financing Mechanism

从融资主体、融资模式、融资成本和融资效率四个方面分析我国中小企业互联网融资机制的优势,并从融资主体和融资方式两方面进行创新。建议政府牵头搭建中小企业国家级互联网融资平台,其中,政府与互联网金融企业结成联盟并占主导优势,由互联网金融企业执行部分担保职能。采取协调融资方式,由互联网金融企业承担部分融资,剩余资金需求由政府进行协调,协调融资的目标比率为融资总额的40%。

From the main financing, financing mode, financing cost and financing efficiency of the four aspects of the advantages of the Internet in China＇s small and medium enterprises financing mechanism, and from the main financing and financing two aspects of innovation. It is suggested that the government should take the lead in building a national Internet financing platform for small and medium enterprises, which,the government and the Internet financial enterprises to form an alliance and the dominant, the Internet financial enterprises to perform part of the security functions. Take the coordination of financing, financing by the Internet, the remaining funds from the government to coordinate, coordinate the financing of the target ratio of 40% of total financing.