科技型小微企业互联网金融支持研究

Research on Internet Financial Support for Science & Technology Micro-enterprise

科技型小微企业融资难主要是因为政府对传统金融机构风险管制、传统金融机构信贷歧视、资本市场不发达、自身融资吸引力不足,理想的互联网金融能够实现金融脱媒、信息对称和低信用风险,匹配科技型小微企业的融资需要。大数据小额贷款、P2P、众筹、电子金融机构融资等互联网金融模式迅速发展,但是当前互联网金融大量的"跑路"现象,说明互联网金融存在独特的投融资风险和第三方支付风险,完善互联网金融风险资本监管、信用风险监管、网络安全、投资者保护等有利于互联网金融的健康发展和科技型小微企业的金融支持。

Science Technology micro-enterprise financing dilemma stems from the traditional financial institutions risk control,credit discrimination,capital market defect and the lack of financing ability.The ideal Internet financing provide financial disintermediation,information symmetry and low credit risk with science technology micro-enterprise financing,which made big data small loan,P2 P,crowd funding,electronic financial institutions.Now internet financing with a lot of＂running＂shows that its investment and financing risks and third party payment risk.Improving the Internet financial risk capital supervision,credit risk supervision,network security,investor protection can service science technology micro-enterprise financing.