互联网+小微企业传统与新兴融资模式创新

Research on the Innovation of the Traditional and New Financing Model of Small and Micro Enterprises through Internet Plus——Illustrated by the Case of Xicheng District

小微企业融资难题已引起社会各界的关注,本课题提出互联网+时代,小微企业应充分利用大数据、云技术等资源,通过自身完善并拓展,也可通过众筹、P2P等融资模式进行创新融资,银行可整合流程与风险聚类,政府可改善制度环境与规则模式等诸多创新性的改革意见和实施建议,旨在指导众多小微企业走出融资难的困境。

The financing difficulties of small and micro enterprises have caused wide public concern. This paper proposes that small and micro enterprises can make innovative financing through the use of big data, cloud technology and other resources, or by means of self-improvement and self-expansion, crowd-funding, P2P and other financing models.Banks can integrate processes and risk clustering and the government should try to improve the institutional environment and the mode of rule by issuing a series of innovative reform proposals and implementation recommendations, all of which are targeted at guiding many small and micro enterprises out of their financing difficulties.