互联网金融背景下浙江电商小微企业融资模式创新研究

Financial Mode Innovation of E-Commerce Small and Micro Enterprises in Zhejiang under the Background of Internet Finance

随着大数据信息技术的发展,互联网金融有效拓展了小微企业的融资渠道。针对浙江电商小微企业这一特殊的小微群体目前的融资现状和困境,提出了互联网金融融资的优势。通过对电商大数据金融模式下蚂蚁小贷和京东供应链金融融资模式、运作流程进行比较分析,为浙江电商小微企业融资模式提供了新的方向。为了使互联网金融可持续规范发展,法律监控、市场运作监控以及社会信用体系监控是必要手段。

With the development of big data information technology,Internet finance has effectively expanded the financing channels of small and micro enterprises.In view of the current financing situation and difficulties of Zhejiang e-commerce small and micro enterprises,this paper puts forward the advantages of Internet financial financing.Through the comparative analysis of the financing mode and operation process of Ant small loan and Jingdong supply chain financing under the e-commerce big data financial mode,it provides a new direction for the financing mode of Zhejiang e-commerce small and micro enterprises.In order to ensure the sustainable and standardized development of Internet finance,legal monitoring,market operation monitoring and social credit system monitoring are necessary means.