互联网金融与小微企业融资——基于江苏省210家小微企业的调研分析

Internet Finance and Financing of Small and Micro Enterprises:Based on the Investigation and Analysis of 210 Small and Micro Enterprises in Jiangsu Province

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.