[1]陈小梅.基于互联网金融的小微企业融资路径探析[J].金融教育研究,2016,(05):43-47.
 CHEN Xiaomei.Study on the Financing Paths for Small and Micro Enterprises Based on the Internet Finance[J].,2016,(05):43-47.
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基于互联网金融的小微企业融资路径探析()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2016年05期
页码:
43-47
栏目:
出版日期:
2016-11-01

文章信息/Info

Title:
Study on the Financing Paths for Small and Micro Enterprises Based on the Internet Finance
作者:
陈小梅
福建广播电视大学,福建 福州 350013
Author(s):
CHEN Xiaomei
Fujian Radio &TV University,Fuzhou,Fujian 350013,China
关键词:
互联网金融 小微企业 融资
Keywords:
internet finance small and micro enterprises financing
分类号:
F832.4
文献标志码:
A
摘要:
互联网金融的发展有助于突破小微企业融资的信息约束、降低融资成本、拓展融资渠道。目前,基于互联网金融的小微企业融资路径主要包括电商小贷、P2P网络借贷、众筹融资及互联网银行融资。但这些融资路径均面临融资服务范围受限、信用信息共享机制有待完善、安全问题突出、业务模式面临政策风险等问题。为此,需要通过拓展互联网金融对小微企业的服务范围、建立健全信用信息共享机制、构建互联网金融的安全保障体系、优化互联网金融的业务模式等措施,优化基于互联网金融的小微企业融资路径。
Abstract:
The development of internet finance helps to break through the information constraints of small and micro enterprises financing,reduce its financing costs and expand its financing channels.At present,the internet finance provides new financing paths for small and micro enterprises which including e-commerce micro credit,P2P lending,crowdfunding and internet-based banking financing.But these financing paths are still facing some problems.Firstly,the scope of financing services is limited.Secondly,the credit information sharing mechanism needs to be improved.Thirdly,the security issues are still outstanding.Lastly,the Business model is facing policy risks.Therefore,in order to optimize the financing path,it is necessary to expand the scope of internet financing services,to improve the credit information sharing mechanism,to constructing the security system of internet finance and to optimize the business model of internet finance.

参考文献/References:

[1]巴曙松.大数据可解小微企业融资瓶颈[J].中国经济报告,2013(6):29-31.
[2]王桂堂,石婧雯.P2P网络小贷模式与小微企业融资难题的破解路径[J].海南金融,2014(3):34-37.
[3]娄飞鹏.互联网金融支持小微企业融资模式比较及启示[J].华北金融,2014(7):72-76.
[4]覃一鸣,裘丽娅.电商小额贷款公司存在问题分析——以蚂蚁微贷为例[J].浙江金融,2015(7):4-7.
[5]范晓浩.互联网金融背景下我国小微企业融资方式创新研究[D].昆明:云南大学学位论文,2015.

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备注/Memo

备注/Memo:
收稿日期:2016-05-10基金项目:2015年福建省中青年教师教育科研项目(JAS150764)作者简介:陈小梅(1979-),女,福建连城人,硕士,讲师,研究方向为农村经济与金融。
更新日期/Last Update: 1900-01-01