金融科技背景下小微企业融资模式创新

Innovation of Financing Mode for SMEs Under the Background of Financial Technology

随着金融科技的发展,互联网技术的运用在解决小微企业融资难方面发挥了积极的作用。借助大数据、云计算和区块链技术,融合了政府、互联网平台和金融机构,构建了金融科技融资模式,以期拓宽小微企业融资渠道。该模式从吸收社会资本出发,通过构建融资处理平台、信息处理平台、量化云服务平台,连接投融资双方,并为企业提供了PPP、B2B、P2B、银行借贷等众多融资渠道,从而实现小微企业与社会资金的高效对接,还可保障融资过程中的信息安全,实现信息共享,重构信任机制,解决信用问题。此外,还举例说明金融科技融资模式的可行性,并从融资结构、融资成本、融资监管三方面进一步分析了融资模式的优势。该模式的建立满足了小微企业多元化的融资需求,为小微企业健康发展提供了融资保障。

With the development of financial technology,the application of Internet technology has played a positive role in solving the financing difficulties of small and micro enterprises.This paper combines Internet companies with government agencies and commercial banks,with the help of network platform,big data analysis and blockchain technology to build a financing mode based on financial technology,in order to broaden the financing channels of SMEs.Starting from absorbing social funds,the mode connects investment and financing parties by building financing processing platform,information processing platform and quantitative cloud service platform,and provides PPP,B2B,P2B,bank lending and other financing channels for them,so as to realize efficient docking between SMEs and social funds,ensure information security in the financing process,and realize information sharing,And reconstruct the trust mechanism to solve the credit problem.In addition,it also illustrates the feasibility of financial technology financing mode,and further analyzes the advantages of financing mode from three aspects of financing structure,financing cost and financing supervision.The establishment of this mode meets the diversified financing needs of small and micro enterprises and provides financing guarantee for the healthy development of SMEs.