基于互联网金融角度的小微企业融资难问题研究详细分解.docVIP

基于互联网金融角度的小微企业融资难问题研究 摘要：小微企业在提高经济活力、增加就业岗位和推动创新等方面发挥着不可替代的作用，是国民经济的重要组成部分，小微企业的健康发展有效的完善了我国社会主义市场经济体系。但是，由于小微企业自身的不利因素和外部不利的环境，比如抗风险能力弱，信用体系不完善等，使小微企业在我国企业体系中处于弱势群体，融资难一直是困扰其发展的重要因素，这也是阻碍我国经济发展、影响我国经济活力的重要隐患，所以切实解决小微企业融资难的问题是十分必要和急迫的。但随着我国互联网金融的不断发展，网络融资的发展也不断加快。网络融资作为小额贷款和互联网结合的产物，解决了国内众多小微企业的融资难题。阿里小贷的成功运作表明，网络贷款是顺应市场经济发展潮流，适合我国国情的新兴融资模式。 关键词：互联网金融;网络融资;阿里小贷;小微企业 Based on Internet financial Angle of small micro enterprise financing difficult problem of research Abstract: Small micro enterprises in promoting economic vitality, increase employment, and promote innovation plays an irreplaceable role, is an important part of national economy, the healthy development of small micro enterprise effectively improve the system of socialist market economy in our country. However, due to the unfavourable actors that the small micro enterprise itself and adverse environment, such as weak ability to resist risk, imperfect credit system, make the small micro enterprise in our country enterprise system in the vulnerable groups, has always been a big financing difficulties for the development of important factors, it is also hinder the economic development of our country, the influence of our countrys economic vitality important hidden trouble, so to solve the problem of small micro enterprise financing difficulties is very necessary and urgent. But with the continuous development of Chinas Internet financial, the development of network finance is also accelerating. Network financing as a product of microcredit is combined with the Internet, to solve the domestic numerous small micro enterprise financing difficult problem. Ali small loans, successful operation show that the network loan is keep up with the trend of the development of market economy, new financing model suitable for Chinas national conditions. Keywords: Internet financial;network finance ;Ali small loan; Small micro enterprise 1 绪论 1.1 研究的背景 1.1.1 小微企业的融资需求 随着我国经济的不断发展，市场经济结构的日益完善，促进市场经济发展的主体也在不断变化。改革开放30多年