互联网金融对中小企业融资的影响研究Internet finance financing for SMEsAffect the Study摘要21 世纪以来，互联网技术进入飞速发展的时期，不但对经济发展产生重要的影响，而且在一定程度上改变了传统的商业模式，体现在金融领域就是以互联网为基础的新的融资模式开始产生发展，并逐渐扩大市场份额，毫无疑问这对传统意义上的银行等金融机构的冲击和影响是非常巨大的。中小型企业是我国企业中的主力军，他们的发展很大程度上回影响我国经济的发展状况。而目前它们所面临的最严重的问题就是融资渠道单一，融资成本较高。本文通过研究目前互联网金融这一融资模式的发展现状，以及在发展的过程中暴露出来的问题，通过案例分析的方法，去探究我国中小型企业利用这一融资方式的过程中存在的问题，从而进一步提出相应的对策和建议。在全球一体化进程加快的背景下探讨我国互联网金融发展的新战略、新路径，为我国中小型企业的发展提供更好的支持和帮助，进而促进我国经济的健康、可持续发展。关键词： 互联网金融 融资难 互联网金融生态环境AbstractIn recent years, with the development of Internet technology and the advancement of the national interest rate marketization process, the Internet finance model represented by “finance online” has been rising and flourishing, which has caused tremendous impact on traditional financial institutions. Under the new normal economy, small and medium-sized enterprises in our country are important carriers of "mass entrepreneurship and innovation". In the course of their development and expansion, the most serious problems faced are difficulties in financing and high financing costs.This article provides an in-depth understanding of the issues facing the development of Internet finance, current status analysis, and existing problems. Analyze the case, explore the impact of Internet finance on SME financing, and address the issues that SMEs face in financing through Internet finance. The countermeasures and suggestions for internet finance to promote SME financing ...
