我国小微企业在P2P网贷市场的融资问题浅析

Analysis on the Financing Problems of Small and Micro Enterprises in P2P Network Loan Market in China

我国小微企业数量众多,在提供税收和就业等方面发挥着及其重要作用。国家积极支持发展小型金融机构,大力拓展小微企业融资渠道,P2P网贷等互联网金融便应运而生。本文从P2P网贷平台的运行流程着手,分析了小微企业利用P2P网贷的优势、现阶段下P2P网贷平台存在的一些问题和风险,最后就小微企业如何规避风险、P2P平台如何改进给出相应的对策建议。在国家、行业和企业自身的努力下,互联网金融发展前景更加广阔,P2P网贷平台更加规范。

The large number of small and micro enterprises in our country plays an important role in providing taxation and employment. The state actively supports the development of small financial institutions and vigorously expands the financing channels of small and micro enterprises. Internet finance such as P2P network loans has emerged as the times require. This article starts with the operation flow of P2P online loan platform, analyzes the advantages of small and micro enterprises using P2P online loans, and presents some problems and risks in the current P2P online loan platform. Finally, how to avoid risks and how to improve the P2P platform for small and micro enterprises？ Give corresponding countermeasures and suggestions. With the efforts of the country, industry, and enterprises, the development prospect of Internet finance is even broader, and the P2P online loan platform is more standardized.