互联网金融背景下我国中小 企业融资途径探析目 录摘要................................................................1一、互联网金融概述..................................................2（一）互联网金融概念................................................3（二）互联网金融特点................................................31.成本低、效率高....................................................32.覆盖广、发展快....................................................33.管理弱、风险大....................................................3（三）互联网金融融资模式优势分析....................................41.有效降低信息不对称................................................42.融资成本低........................................................43.融资效率高........................................................4二、我国中小企业融资概述............................................5（一）中小企业融资概念..............................................5（二）我国中小企业融资现状分析......................................51.融资成本高........................................................62.融资风险大........................................................63.融资申请难........................................................6（三）我国中小企业产生融资问题原因分析..............................61.内部因素..........................................................72.外部因素..........................................................7三、互联网金融背景下我国中小企业融资途径............................8（一）P2P 网贷融资..................................................81.无担保线上模式....................................................82.有担保线上模式....................................................9（二）众筹融资.....................................................10（三）大数据金融融资...............................................11（四）“电商+P2B”网络借贷.........................................12四、我国中小企业利用互联网金融融资所面临的问题.....................13（一）规模小，影...
