互联网金融时代我国中小企业融资难的成因与对策分析

Analysis on the Causes and Countermeasures of the Financing Difficulties of Small and Medium-sized Enterprises in the Era of Internet Finance

中小企业融资难是一个全世界的话题,但是中国比较突出。在我国,中小企业在解决就业、增加收入、调整结构、技术创新等方面发挥着重大作用。优质中小企业超过半数都有贷款需求,"资金匮乏"、"缺乏有效融资渠道"已成为制约其发展的主要原因。近几年,随着互联网金融的兴起和发展,一些线下的实体金融业务逐渐发展到线上,不仅给传统的金融行业注入了新鲜活力,同时也给融资困难的中小企业提供了新途径新方向。通过着眼于国内中小企业融资难题,结合当下最热门的互联网金融背景,进而探讨解决中小企业融资困难的新思路新途径。

SME （small and medium - sized enterprises） financing is a topic of the world, but China is more prominent. In China, SME play an important role in solving employment, increasing income, adjusting structure and technological innovation. More than halt＂ of the high quality SMEs have demand for loans. ＂Lack of funds＂ and ＂lack of effective financing channels＂ have become the main reasons restricting their development. In recent years, with the rise and development of Internet finance, the real financial business under some lines has gradually developed to the line. It not only injected fi＇esh vitality into the traditional financial industry, but also provided new ways for small and medium - sized enterprises with financing difficuhies. By focusing on the financing problems of small and medium - sized enterprises in China and combining the most popular Internet financial background, the new way to solve the financing difficuhies of small and medium - sized enterprises is discussed.