摘要
调查分析江苏省210家小微企业的融资现状,发现小微企业有强烈的融资需求,但融资困境依然存在。互联网金融具有传统金融无法比拟的优势,能为小微企业提供差异化、个性化、便捷、高效的融资服务,对缓解小微企业融资难的问题起到积极作用。应采取有效的措施保障基于互联网金融的小微企业融资。
Through the investigation and analysis of the financing status of 210 small and micro enterprises in Jiangsu province,the paper finds that small and micro enterprises have strong financing needs,but the financing difficulties still exist.Internet finance has unique advantages and attractions,which can provide differentiated,personalized,convenient and efficient financing services for small and micro enterprises and play a positive role in the financing of small and micro enterprises.It's necessary to take effective measures to guarantee the financing of small and micro enterprises based on internet finance.
作者
黄莉娟
徐莹
杨晶晶
HUANG Li-juan;XU Ying;YANG Jing-jing(School of Accounting, Jiangsu Vocational Institute of Commerce, Nanjing 211168, Jiangsu, China)
出处
《江苏经贸职业技术学院学报》
2021年第1期24-30,共7页
Journal of Jiangsu Institute of Commerce
基金
江苏省教育厅高校哲学社会科学研究项目“互联网供应链金融在江苏省中小企业融资中的应用研究”(2020SJA0714)。
关键词
小微企业
互联网金融
P2P网贷
电商平台融资
风控机制
small and micro enterprise
internet finance
P2P online lending
financing through e-commerce platforms
risk-control mechanism