P2P网络贷款对小微企业融资的影响分析

Analysis of the Impact of P2P Network Loan on Small and Micro Enterprise Financing

小微企业融资难、融资贵的问题一直存在,近年来,P2P网络贷款平台的迅速发展为其提供了新的融资渠道。基于分析P2P网络贷款对小微企业融资量、融资效率及融资成本的影响,发现近半数的小微企业可以从P2P网贷平台解决融资需求,且融资较为自由、融资效率较高,融资成本相对较低,是一种比较好的融资渠道,但在此过程中,也存在平台道德风险、运营风险及投资者洗钱风险等,需要小微企业加以关注。

The problem of financing difficulties and financing expensive for small and micro enterprises has always existed. In recent years,the rapid development of P2P network loan platform has provided new financing channels.This paper analyzes the impact of P2P network loans on financing,financing efficiency and financing costs of small and micro enterprises. It is found that nearly half of small and micro enterprises can solve financing needs from P2P online lending platform,and financing is more self-owned,financing efficiency is higher,financing costs Relatively low,it is a relatively good financing channel,but in the process,there are also platform moral hazard,operational risk and investor money laundering risk,which need small and micro enterprises to pay attention.