互联网金融下中小企业融资风险及应对

Financing Risks of SMEs under Internet Finance and Countermeasures

中小企业在我国就业、税收等方面都作出了显著的贡献,不仅是推动我国民生经济和社会发展的骨干力量,而且也是国民经济的主要构成部分之一。在概述互联网金融、中小企业的基础上,阐述互联网金融下中小企业的融资优势,分析中小企业在互联网金融环境下的融资风险,并提出具体的应对策略,即完善法律法规、引进人才、加大投资、构建信用体系与内控制度等,旨在解决中小企业融资问题,降低融资风险,促进中小企业可持续发展。

Small and medium-sized enterprises have made significant contributions to employment,taxation,and other aspects in China.They are not only the backbone force driving the development of China’s livelihood economy and society,but also one of the main components of the national economy.On the basis of an overview of Internet finance and SMEs,this paper expounds the financing advantages of SMEs under Internet finance,analyzes the financing risks of SMEs under the Internet finance environment,and proposes specific countermeasures,namely,improving laws and regulations,introducing talents,increasing investment,building a credit system and internal control system,in order to solve the financing problems of SMEs,reduce financing risks,and promote the sustainable development of SMEs.