互联网金融下小微企业融资模式研究

Research on the Financing Model of Small and Micro Enterprises Under the Internet Finance

进入21世纪,世界科技迅速发展,在全球经济一体化的背景下,以互联网为基础的金融服务在市场中如火如荼的发展起来,在提高了资金的运转效率,打破中国现阶段的金融垄断的同时,也开创了金融服务模式的新时代。本文以传统金融服务行业为背景研究当下小微企业的融资模式,文章首先分析了传统金融服务背景下小微企业融资存在的问题,继而探讨了基于互联网金融的民间融资企业优势,最后提出了基于互联网金融的小微企业融资模式。

In the 21st century, with the rapid development of science and technology in the world, under the background of economic globalization, the development of Internet-based financial services in the market has been boosting the operational efficiency of funds and breaking the financial monopoly of China at this stage At the same time, it also created a new era of financial service model. This article studies the current fi-nancing mode of small and micro enterprises under the background of traditional financial service industry.This article first analyzes the existing problems of small and micro enterprise financing under the back-ground of traditional financial services, and then discusses the advantages of private financing enterprises based on Internet finance. Finally, Micro-enterprise financing model.