互联网金融对中小企业融资影响及对策研究

The Impact of Internet Fiance on SME Financing and the Countermeasure

在我国经济增速放缓经济下行压力增大的背景下,中小企业能够释放市场活力、激发创新氛围,成为推动经济高质量发展的重要力量。然而,融资难、融资贵问题一直是制约中小企业发展的重要因素,互联网金融能够降低中小企业融资成本、提升信息透明度,同时提升其融资效率。但是,互联网金融在我国发展历史较短,在为中小企业提供融资服务过程中,也渐渐暴露出经营风险、信用风险以及法律风险,使得行业内部乱象频发。因此,在分析互联网金融对中小企业融资影响的基础上,提出对策建议:在宏观政策层面上,应建立中小企业信息信用平台、健全相关法律制度、优化外部发展环境;在微观层面上,互联网金融平台要加强平台自身建设、提升平台风险管理水平。

Under the background of slowing economic growth and increasing economic downward pressure,SMEs become an important force to promote high-quality economic development as they can release market vitality,stimulate innovation atmosphere.However,the difficulty and high cost of financing have always been an important factor restricting the development of SMEs.Internet finance can reduce the financing cost of SMEs,improve information transparency,and promote their financing efficiency.However,the development history of Internet finance in China is relatively short.In the process of providing financing services for SMEs,it also gradually exposed business risk,credit risk and legal risk,which makes the internal chaos of the industry occur frequently.Therefore,based on the analysis of the impact of Internet finance on the financing of SMEs,this paper puts forward countermeasures and suggestions:on the macro policy level,it is necessary to establish an information credit platform for SMEs,improve relevant legal systems,and optimize the external development environment;on the micro level,it is necessary to strengthen the construction of the platform itself and improve the level of platform risk management.