利用互联网金融有效破解小微企业融资困局

The use of Internet finance to effectively crack the financing difficulties of small and micro enterprises

小微企业作为我国国民经济的重要载体,现阶段普遍面临融资难、融资贵等发展困局。互联网金融借助互联网及新一代信息技术,可以构建起完整的客户信用信息平台,有效降低交易成本,更有针对性地对金融产品和服务进行优化,对于解决小微企业融资难题具有重要意义。由此,互联网金融趁势而上,发展迅猛,但在支持小微企业方面仍面临多重障碍。笔者基于当前发展现状,充分利用互联网金融的优势特征,认为可通过合理规划引导,改善政策环境,完善信用建设等措施,使其更好地发挥对小微企业的支持作用。

Small and micro enterprises as an important carrier of China＇s national economy. Facing the difficulties in financing, Internet financial with Internet and new generation of information technologies, can build up a complete customer credit information platform.This platform can effectively reduce transaction costs, more optimize the financial products and services, has important significance for solving the financing problems of small and micro enterprises. Thus, the Internet financial with the rapid development, but still face multiple obstacles in support of small and micro enterprises. The based on the current state of development, make full use of the advantages of the Internet financing, believe that through reasonable planning guidance, improve the policy environment, perfecting the construction of credit and other reform measures, to do better in support of small and micro enterprises.