互联网金融对中小企业融资的影响及其机制研究

The Impact of On-line Finance on Small and Medium-sized Enterprises Financing and Its Mechanism

融资难问题长久以来限制着中小企业的发展,互联网金融的兴起缓解了中小企业融资难问题。文章用结构方程模型(SEM)对其影响及机制进行研究,从而为中小企业改善自身,提高融资效率提供相应建议。

Financing difficulties have restricted the development of small and medium-sized enterprises （SMEs）, however the rise of on-line finance has eased the financing difficulties, In this paper, the structural equation model （SEM）is used to study its impact and mechanism, so as to provide some suggestions for SMEs tO improve themselves and the efficiency of financing,