基于P2P平台的小微企业融资风险管理研究

Research on Financing Risk Management of Small and Micro Enterprises Based on P2P Platform

小微企业由于受到自身条件的限制,难以通过传统的金融渠道进行融资,从而制约了小微企业的可持续发展。P2P网络借贷平台作为一种新型的融资模式,为缓解小微企业融资难问题开辟了一个新的途径,给小微企业可持续发展带来了机遇,但同时也提出了挑战。本文在相关文献综述的基础上,对小微企业P2P平台融资的风险进行了探究,并提出了规避风险和防范风险的措施。

Due to the limitation of their own conditions,small and micro enterprises are difficult to finance through traditional financial channels,restricting their sustainable development. As a new financing model,P2 P online lending platform can alleviate the financing difficulties for small and micro enterprises,which brings new opportunities to the sustainable development of small and micro enterprises,and at the same time,it raises challenges. Based on the literature review,this paper explores the risks of financing for small and micro enterprises through P2 P platform and puts forward some measures to avoid and prevent risks.