互联网金融背景下小微企业融资模式创新与风险管理研究

Research on Financing Mode Innovation and Risk Management of Small and Micro Enterprises in the Background of Internet Finance

小微企业能够有效化解经济发展过程中出现的各类矛盾,源源不断地为我国国民经济发展注入新的活力,是我国市场经济不可分割的组成部分。在我国经济形势多样化发展趋势下,新的金融模式不断产生。在当前互联网金融背景下出现的新型融资模式为小微企业发展提供了更多可能,但小微企业自身的特点使得新型融资方式的运行不畅,造成了其融资困难。为了摆脱融资困境,本文对小微企业融资现状和模式进行了充分分析,讨论了融资困难产生的原因,并提出了新的小微企业融资模式,制定了有效的风险管理措施,以使小微企业能够健康长远发展。

Small and micro enterprises can effectively resolve all kinds of contradictions in the process of economic development,continuously inject new vitality into the development of our national economy,and are an integral part of our market economy.With the diversified development trend of China’s economic situation,new financial models are constantly emerging.The new financing model that appears in the current internet finance background provides more possibilities for the development of small and micro enterprises,but the characteristics of small and micro enterprises make the new financing method inadequate in its operation,causing financing difficulties.In order to get rid of the financing dilemma.This article fully analyzes the current situation and mode of financing of small and micro enterprises,discusses the causes of financing difficulties,proposes a new mode of financing for small and micro enterprises,and formulates effective risk management measures to help small and micro enterprises gain long and healthy development.