互联网金融支持基于跨境电商出口的小微企业融资的实践探索——基于P2P网贷视角

Practice and Exploration about Internet Finance Supporting Small and Micro Enterprises Financing Based on Cross-border E-commerce Exports——Based on the Perspective of P2P Net Loan

互联网金融是在当今中国金融严格管制与小微企业融资难矛盾激化下的产物,P2P网贷是互联网金融的五大融资模式中非常活跃且发展迅速的一种模式,是基于跨境电商出口的小微企业融资的重要渠道。然而,由于P2P网贷在我国尚处于初级发展阶段,监'管政策滞后,因而小微企业通过P2P网贷融资利弊并存。文章分析了基于跨境电商出口的小微企业利用P2P网贷融资的优缺点并从政府、小微企业和P2P网贷平台三个层面提出了对策和建议。

Internet finance is the result of the intensification of the contradiction between China＇s strict financial regulation and the financing difficulties of small and micro enterprises. P2P net loan is a very active and fast developing mode in the five financing modes of Internet finance. It is also an important channel for financing small and micro enterprises based on cross - border electricity export. However, P2P net loan is still in the initial stage of development in China, and the regula-tory policy is lagging behind, small and micro enterprises finance through P2P net loan , including advantages and disad-vantages. The article analyses advantages and disadvantages of small and micro enterprises financing through P2P net loan based on cross - border e - commerce exports, and then puts forward countermeasures and suggestions from three levels of the government, small and micro enterprises and P2P net loan platform.