互联网金融与小微企业融资的模式创新研究

Research on Small and Micro Businesses Financing Mode Innovation under Internet Financing

互联网金融的兴起带动了传统金融行业的变革,互联网金融企业与民间资本通过互联网金融工具,为小微企业和个人提供了丰富灵活具有个性化的金融服务。同时传统金融机构也在积极应用互联网金融技术,快速实现自身业务的互联网化、大数据化和云化。互联网金融的快速发展,与小微企业旺盛的融资需求分不开。互联网出身"草根",但星星之火可以燎原,其代表着金融行业创新的前沿。本文针对小微企业的融资需求,通过分析当下小微企业的经营环境和融资需求,结合互联网金融的主要产品和服务,探索小微企业利用互联网金融进行融资模式创新的方向和策略。

Internet Financing brings revolution of finance industry. SMB are enjoying more individual and flexible financing service from internet finance companies and social capital. Traditional financial departments are also exploring application of internet finance technology. Strong financing demand of SMB is promoting development of internet financing. This article analyzed SMB＇s business environment and financing demand features,then researched SMB financing mode innovation under internet financing products and service.