互联网金融环境下的中小企业融资机遇及模式

Financing Opportunity and Mode for SMEs under the Internet Finance Environment

近年来,我国对中小企业融资的政策扶持力度虽然较大,但中小企业的融资困境仍然存在。随着我国互联网金融的不断发展,以及社交支持、移动支付和在线服务等技术的创新应用,为解决中小企业融资带来了新的机遇。因此,中小企业要抓住金融"互联网+"的契机,充分利用好众筹、P2P、电商平台小额贷款、互联网金融门户等新模式,从根本上突破自身发展过程中存在的融资瓶颈,从而获得稳定持续的发展。

In recent years, although Chinese government has given much policy support for SME financing, they still have certain financing difficulties. With the constant development of China’s internet finance, as well as some technology innovation application in terms of social support, mobile payment, online service, etc., there appears new financing opportunity for the SMEs. Therefore, the author thinks that SMEs should seize the chance of “Internet Plus”, make full use of some new modes such as crowd-funding, P2P, small loans on e-commerce platform, internet financial portal and so on, so that they can break the financing bottleneck in their development to obtain stable and sustainable development.