中小企业在互联网金融背景下的融资逻辑、体系与路径

Financing Logic,System and Path of Small and Medium-sized Enterprises in the Context of Internet Finance

随着社会经济的逐步发展,中小企业逐渐成为国民经济的支柱产业,在保障民生、稳定就业、促进创业和创新中发挥着举足轻重的作用,具有良好的发展潜力。但企业的发展离不开资金的支持,在新时期互联网金融的背景下,我国诸多中小企业为获取更多资金,开始采用第三方借贷、网上借贷、众筹等多种融资渠道,取得了一定的效果,但同时也受互联网金融的制约,使自身在孵化与成长的早期出现了一定的发展不平衡现象。想要优化中小企业的融资体系,就需要制定健全的互联网金融法律法规,提高中小企业的核心竞争力、社会信誉及融资能力,最终促进企业全面发展。

With the gradual development of social economy,small and medium-sized enterprises have gradually become the pillar industry of the national economy,playing a pivotal role in ensuring people's livelihood,stabilizing employment,promoting entrepreneurship and innovation,and have good development potential.However,the development of enterprises cannot be separated from the support of funds.In the context of Internet finance in the new era,many small and medium-sized enterprises in my country have begun to adopt various financing channels such as third-party lending,online lending,and crowdfunding to'obtain more funds,and have achieved certain results.However,they are also restricted by Internet finance,which has caused certain development imbalances in the early stages of incubation and growth.In order to optimize the financing system of small and medium-sized enterprises,it is necessary to formulate sound Internet financial laws and regulations,improve the core competitiveness,social reputation and financing capabilities of small and medium-sized enterprises,and ultimately promote the comprehensive development of enterprises.