互联网金融视阈下小微企业融资问题研究

Research on Financing of Small and Micro Enterprises from the Perspective of Internet Finance

以2011年央行批准第三方支付牌照起,我国的互联网金融近年来飞速发展,成为小微企业融资的新渠道。互联网金融主流融资模式有大数据金融、P2P、众筹、电子金融机构及互联网金融门户等,不同的融资模式的特点明显,小微企业作为国民经济的重要组成部分,在解决就业和保持经济平稳运行等方面发挥了重要作用。在总结互联网金融在小微企业实际应用中存在的常见问题基础上,探索从融资模式选择、金融人才培养、风险意识强化及企业诚信经营等方面入手,提高小微企业的融资能力。

With the approval of the third-party payment license by the Central Bank in 2011, the Internet finance in China has developed rapidly in recent years and become a new financing channel for small and micro enterprises. The main financing modes of Internet Finance include big data finance, P2P, crowdsourcing, electronic financial institutions and Internet financial portals. The characteristics of different financing modes are obvious. As an important part of the national economy, small and micro enterprises play an important role in solving employment and maintaining the smooth operation of the economy. On the basis of summarizing the common problems existing in the practical application of Internet Finance in small and micro enterprises, this paper explores how to improve the financing ability of small and micro enterprises from the aspects of financing mode selection, financial personnel training, risk awareness enhancement and honest operation of enterprises.