互联网+下电商小微企业融资的SWOT分析

SWOT analysis on the financing of e-commerce Small and micro businesses under Internet+

电商小微企业的融资需求表现为周期短、数额小,频率高,时间急等特点,因此迫切需要建立与其特点相适应的融资服务模式。但是目前主流研究是站在金融机构的角度谈互联网+对其为电商小微企业提供融资的效益性,或者谈互联网金融对缓解小微企业融资难的推动作用等。本文以电商微企(资金需求者)为研究对象,基于互联网+对电商微企融资促进的视角,就其利用互联网金融进行融资展开SWOT分析,最后从政策制定者(政府),资金提供者(电商平台、金融机构等),资金需求者(电商微企)三个角度提出相关建议,以期有效地支持和满足电商微企的资金需求,促进其可持续发展。

The financing needs of e-commerce small and micro enterprises is characterized by short period, small amount, high frequency, time urgency and so on. Therefore, it is an urgent need to establish a financing service model which is suitable for its characteristics. But the current mainstream research is standing on the perspective of financial institutions to provide benefits for the f＇mancing of Small and micro businesses under Internet＋, or to talk about Internet banking to alleviate the Small and micro businesses financing role etc.This paper takes e-commerce small and micro enterprises as the research object, and SWOT analyzes on its financing by using intemet finance, based on the promotion of intemet＋ to its financing. Finally, in order to effectively support and meet the enterprise funding needs, and promote its sustainable development, this paper puts forward relevant suggestions in three aspects, from policy makers （government）, capital providers （business platform, financial institutions, etc.）, funds demanders e-commerce small and micro enterprises）.