互联网金融破解农村中小企业融资难困境的研究

Internet Finance to Solve the Difficulties in Financing of Rural SMEs

在我国的经济发展过程当中,中小企业是经济增长的主体并发挥着日益重要的作用。同时在中国这样一个传统农业大国,农村的发展一直是国家政府关注的焦点之一,而农村的经济发展,与农村中存在的大量的中小企业的发展是无法割裂的。农村中小企业虽然在稳定经济增长、解决农村多余劳动力与推进农业技术革新方面发挥了重要作用,然而由于其自身的弱势性、金融机构的重视不足及自身的融资性质,融资难、贷款难成为了困扰中小企业发展的最大难题。

In the process of China's economic development,SMEs are the mainstay of economic growth and play an increasingly important role.At the same time,in a traditional agricultural country like China,the development of the countryside has always been one of the focuses of the national government.The economic development of the rural areas cannot be separated from the development of a large number of small and medium-sized enterprises in the rural areas.Although rural SMEs have played an important role in stabilizing economic growth,solving rural surplus labor and promoting agricultural technological innovation,due to its own weakness,insufficient attention of financial institutions and its own financing nature,financing and loan difficulties have become the biggest problem that plagues the development of SMEs.