农村小微企业互联网融资风险管理研究——基于共生理论的视角

Research on Internet Financing Risk Management of Small and Micro Enterprises in Rural Areas: Based on the Visual Angle of Symbiosis Theory

小微企业融资难、融资贵是一个普遍存在而又难以解决的世界性难题。互联网金融作为一种新兴金融业态,在解决小微企业融资上具有天然优势,但又伴随着高风险需重点关注,共生理论为解决互联网金融与农村小微企业难题打开了一个新的视角。根据金融共生理论,分析了互联网金融与农村小微企业的天然共生机理,探讨了互联网金融与农村小微企业共生的实践模式、行为模式和目标模式,并从提高共生单元内在素质、优化共生组织行为模式、改善共生金融生态环境提出了互联网金融风险管理对策,结果表明互联网金融与农村小微企业具有天然共生关系,连续对称互惠共生关系是两者最理想的共生模式,研究对推进互联网金融与农村小微企业良性互动提供借鉴和参考。

It is a common and tough problem to solve in the world that financing is difficult and expensive for small and micro enterprises.As a newly emerged financial format,Internet finance possesses a natural advantage in solving the financing problems faced by small and micro enterprise,but with high risks that needs close attention.The symbiosis theory provides a new perspective for solving the problems of Internet finance and rural small and micro enterprises.Based on the financial symbiosis theory,this paper analyzes the natural symbiosis mechanism for Internet finance and rural small and micro enterprises,and probes into their practical,behavioral and target patterns.It then proposes strategies for managing Internet financial risks from the aspects of improving the internal quality of symbiotic units,optimizing the behavior patterns of symbiotic organizations and improving symbiotic financial eco-environment.Conclusions are drawn that there is a relation of natural symbiosis between Internet finance and rural small and micro enterprises,and a continuous symmetrical symbiosis with mutual benefits is an optimal symbiosis model for both them.The results of this study provide references for achieving benign interaction between Internet finance and rural small and micro enterprises.