互联网金融对我国中小微企业融资的影响研究摘 要中小微企业是国民经济增长的重要组成部分，是推动国民经济发展的重要力量。但是，由于中小微企业规模小、交易单位成本较高，是制约中小微企业融资的重要因素，这些因素导致我国中小微企业逐渐在国际竞争中失去了成本优势，加之我国政府对其扶持力度不够导致中小微企业普遍出现融资难等社会问题。随着互联网技术的全面推广、大数据技术趋势及网络共享，能降低中小微企业融资风险和融资成本，开拓新渠道，适当减轻企业融资压力。本文分析了中小微企业融资现状，制定中小微企业分类的标准。企业自身的规模特点和所处行业是阻碍中小微企业融资发展的绊脚石。在解决中小企业融资问题上引出互联网金融概念、特点、发展模式。分别是电商融资、众筹、P2P 网络借贷融资案例分析。最后总结，提出建议。关键词：互联网金融；中小微企业；融资；金融创新；ABSTRACTSmes are an important part of national economic growth and an important force for promoting national economic development. But, due to the small and medium-sized enterprises small in scale, trading unit cost is higher, is one of the important factors restricting the micro, small and medium enterprises financing, these factors lead to micro, small and medium enterprises in our country gradually lost its cost advantage in the international competition, combined with the Chinese government for its support is not enough to micro, small and medium enterprises financing problems such as widespread social problem. With the comprehensive promotion of Internet technology, the trend of big data technology and network sharing, the financing risks and costs of small, medium and micro enterprises can be reduced, new channels can be explored, and the financing pressure of enterprises can be appropriately reduced. This paper analyzes the classification criteria of small, medium and micro enterprises. The size characteristics and industries of enterprises are the stumbling blocks to the f...
