互联网金融支持小微科技企业创新机理研究

Research on the Innovation Mechanism of Internet Finance Supporting the Small and Micro Technology Enterprises

针对小微科技企业融资问题,基于互联网金融生态系统理论,从互联网金融投融资、小微科技企业融资行为分析出发,结合企业经营业绩和科技属性,研究互联网金融与小微科技企业融资互动机理,认为互联网金融生态系统至少包括集成多种技术及其底层改革的信用、风控、支付清算等体系金融基础设施及其与金融领域结合形成新的金融业态,互联网金融通过金融生态系统与小微科技企业创新形成良性互动。

Aiming at the financing problem of SMTEs(small and micro technology enterprises),this paper studies the interaction mechanism of internet finance and SMTEs financing bases on the theory of internet financial ecosystem,from the analysis of internet financial investment and financing,financing behavior of SMTEs,and with the combination of business performance and scientific and technological attributes of enterprises.The paper believes that the internet financial ecosystem includes at least the financial infrastructure of the credit,risk control,payment and clearing system that integrates a variety of technologies and their underlying reforms,and its combination with the financial field to form a new financial format,internet finance forms a benign interaction with the innovation of SMTEs through the financial ecosystem.