互联网金融下小微企业融资模式探究——以P2P和“平台+小贷”模式为例

On the Financing Model of Small Micro Enterprises Under the Internet Finance:Taking P2Pand“Platform + Small Loan”for an Example

互联网有着高效、便捷、低成本等众多优势,是破解小微企业融资难的重要工具。基于互联网金融视角,探索小微企业融资的创新模式,重点探讨P2P、"平台+小贷"两种融资模式的特征及优劣,研究指出,较之于传统金融,互联网金融降低了交易成本,能有效避免信息不对称问题,为小微企业提供了一条高效便捷、公正公平的新型融资途径,最后提出推动互联网金融的发展以及助力小微企业融资的建议。

The Internet plays a very important role in the financing service for small micro enterprise with its efficiency,convenience and low cost.Standing on the viewpoint of Internet finance,this paper explores the innovative financing model of small micro enterprise and mainly discusses the advantages and disadvantages of the P2 P mode and the ＂platform ＋ small loans＂mode.The research shows that the Internet finance could reduce the transaction cost and avoid the information asymmetry problem effectively when compared with the traditional finance,which provides a new convenient and fair way for financing small micro enterprise.According to these analysis,this thesis finally proposed some suggestions on promoting the development of Internet finance and helping small micro enterprises to raise money.