互联网金融与商业银行融合的中小企业融资研究

Research on the Financing of Small and Medium-Sized Enterprises Based on the Integration of Internet Finance and Commercial Banks

中小企业作为我国经济发展的主力军,为我国经济的增长做出了重要贡献。因此,为了使我国中小企业更好的发展,论文对互联网金融与商业银行融合的中小企业融资进行了研究,首先,简单介绍了互联网金融模式,并阐述了传统金融模式下,中小企业融资中存在的问题,然后以此为基础,详细介绍了互联网金融与商业银行融合的模式,并探讨了两者融合的对策。

As the main force of China's economic development, small and medium-sized enterprises have made important contributions to the economic growth of our country. Therefore, in order to make better development of small and medium-sized enterprises in China, this paper studies the financing of SMEs through the integration of internet finance and commercial banks. Firstly, it briefly introduces the internet financial model, expounds the problems existing in the financing of small and medium-sized enterprises under the traditional financial mode. Then on this basis, the paper introduces the model of internet financial and commercial banking in detail, and discusses the countermeasures of the integration of Internet and commercial banks.