互联网金融模式下我国小微企业融资问题研究

Financing Problems for SMEs in China under the Mode of Internet Finanicng

近年来,我国小微企业的数量迅速增加,对促进我国经济发展起着显著的作用,但是小微企业融资难和融资贵的问题一直制约着小微企业的发展。随着我国互联网金融的迅速壮大,各种新型的互联网融资平台不仅为小微企业提供了便捷高效的融资方式,还满足了小微企业的个性化需求。但是由于互联网金融体系监管尚未完善,各类矛盾开始显现。通过对小微企业融资现状进行研究,运用三种不同的互联网金融模式来破解小微企业融资困境,指出小微企业在互联网融资中存在的问题,提出相应的对策建议,从而进一步完善互联网金融平台的建设,使小微企业在互联网融资过程中更安全、高效。

In recent years, the number of small and micro enterprises (SMEs) in China has increased rapidly, which has played a significant role in promoting the economic development of our country. However, the financing difficulties and high financing cost have been restricting the development of SMEs. With the rapid growth of Internet finance in China, various new Internet financing platforms not only provide convenient and efficient financing methods for SMEs but also meet the individual needs of SMEs. However, due to the imperfect supervision of the Internet financial system, various contradictions began to emerge. Through the research on the financing status of SMEs, three different Internet financial modes are used to solve the financing difficulties of SMEs, the existing problems of SMEs in Internet financing are pointed out, and the corresponding countermeasures and suggestions are put forward, so as to further improve the construction of Internet financial platform and make the process of Internet financing safer and more efficient for SMEs.