P2P金融模式对于缓解我国中小企业融资难题的研究研讨.docxVIP

P2P金融模式对于缓解我国中小企业融资难题的研究 P2P金融模式对于缓解我国中小企业融资难题的研究 [内容提要]改革开放以来，中小企业发展迅速，其在增加GDP、促进就业以及维护社会稳定等方面起到了重要的作用。然而，中小企业因其规模小、风险大、融资门槛高等内外部原因导致其融资困难，严重制约其持续、健康发展，阻碍了中国经济的前进。在互联网技术不断进步的推动下，P2P金融模式作为一种新兴的网络借贷模式，近年来在国内外迅速发展。其借贷方式方便快捷、成本较低且覆盖面广，为中小企业提供了新的融资视角和渠道，并有望破解传统商业银行信贷模式久未攻克的中小企业融资难题。然而，这一创新模式在中小企业融资的实际运用中仍存在交易费用过高、征信体系不健全以及缺乏法律监管等诸多问题。为解决这些问题，促进我国中小企业P2P融资模式的健康发展，笔者提出了相应的政策建议，包括建立全国性的规范征信体系、制定P2P金融模式的法律法规及加强监管约束和中小企业自身建设等。 [关键词]中小企业融资难，P2P金融模式，实际运用，政策建议 Abstract:Since Reform and Opening up， small and medium-sized enterprises (SMEs) have developedpromptly， proving its significance in GDP growth， employment promotion and social stability. However， for reasons as small scale， high risk and high financing threshold， SMEs are now challenged by capital raising， which is a direct restriction for its further prosperity.Recently， driven by the continual progress of the Internet technology， the P2P financial model， as a new pattern of capital loan， developsrapidly in worldwide. With the advantages of great convenience， low cost and wide coverage， P2P financial model offers a new perspective in financing and a new financing method for SMEs and micro-finance， whileit’s expected to break the ice for SMEs’ difficulties in financing， which the ordinary mode of commercial bank credit hasn’t conqueredsuccessfully for years. Nevertheless， the P2P financial model still has to face various problems in practical application of SMEs’ financing，such as high transaction cost， imperfect credit system， the lack of legal supervision， etc. To solve these problems and promote sustained and healthy development of SMEs’ P2P financing， the author puts forward the corresponding policy recommendations， including setting up national credit reporting system， making financial laws and regulations for P2P financial model strengthening the regulatory constraints and SMEs9 self-construction. Keywords: Small and medium-sized enterprise financing problem， P2P financial model，PracticalApplication，Suggestions