从P2B视角研究小微企业融资平台——以福建省为例

Research on the Financing Platform of Small and Micro Enterprises from the Perspective of P2B——Taking Fujian Province as an Example

小微企业是经济发展的主力军,但普遍存在融资难的问题。文章分析了福建省小微企业的发展现状和融资困境、P2B运营方式的利弊,通过分析最后从P2B视角提出一些小微企业融资平台的建议措施。分析结果显示了P2B平台是一个比较适合小微企业融资的创新融资平台,为急需资金的小微企业找到融资新途径,这在一定程度上促进了小微企业的发展,也和国家扶持小微企业的政策相契合。

Small and micro enterprises are the main force of economic development.But there is a widespread problem of financing difficulties.This paper analyzes the development status and financing difficulties of small and micro enterprises in Fujian province.This paper also analyzes the advantages and disadvantages of P2B operation mode.In the end,some suggestions on the financing platform of small and micro enterprises are put forward from the perspective of P2B.The analysis results show that the P2B platform is an innovative financing platform suitable for small and micro enterprise,and has found a new way of financing for small micro enterprises that are in urgent need of funds.To a certain extent,P2B has promoted the development of small and micro businesses,and is also compatible with the policies of the state to support small and micro businesses.