小微企业融资模式的创新问题探研

Research on Innovation Problems of Financing Mode of Small and Micro Enterprises

小微企业是我国经济发展的重要动力,在促进就业增加、激发创新创业和推动经济增长等方面发挥着重要作用,然而小微企业融资难问题却是世界性难题。虽然我国一直高度重视小微企业融资问题,但对于小微企业日益增加的资金需求而言,我国小微企业面临的困境仍然很多。论文从小微企业融资的2种模式出发,对比研究由政府银行主导的传统式金融融资模式和大数据模式下新型金融科技融资模式,深入分析政策和科技创新对小微企业金融服务的优势以及发展障碍,进而提出政策建议。

Small and micro enterprises are an important driving force for China's economic development,and play an important role in promoting employment increase,stimulating innovation and entrepreneurship,and promoting economic growth.However,the financing difficulty of small and micro enterprises is a worldwide problem.Although China has always attached great importance to the financing problems of small and micro enterprises,there are still many difficulties facing small and micro enterprises in China for their increasing capital needs.Based on the two financing modes of small and micro enterprises,this paper makes a comparative study of the traditional financial financing mode led by government and banks and the new financial technology financing mode under the big data mode,deeply analyzes the advantages and development obstacles of policy and technological innovation on the financial services of small and micro enterprises,and then puts forward policy suggestions.