互联网金融破解无锡小微企业融资难的探索

Research on Solving the Financing Difficulty of Small and Micro Enterprises in Wuxi via Internet Banking

小微企业在我国经济社会发展中占据重要地位,由于信用水平低、获得信贷信息成本过高等,这类企业很难从银行获取充足的贷款,融资难已经成为制约小微企业发展的瓶颈。在互联网金融背景下,无锡市搭建小微企业服务平台,探索电商途径信贷模式,商业银行创新信贷等,有效破解小微企业融资瓶颈。

The small and micro enterprises, occupy an important position in China’s economic and social development. Due to the low level of credit and high cost of getting credit information, ifs hard for the small micro enterprises to obtain sufficient loans. Financing trouble has become the bottleneck that restricts the development of small and micro enterprise. In the context of internet banking, through setting up the small micro enterprise services platform, exploring credit modes through E-Business channels, creating the credit of commercial banks, Wuxi provides reasonable path for crack the small micro enterprise financing bottlenecks.