【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。更多还原

【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,P2 P 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.更多还原