商业经济与管理

互联网金融正在逐渐成为小微企业融资的新渠道。文章首先归纳了互联网金融与小微企业融资相关研究的国内外研究现状,接下来阐述了互联网金融与小微企业融资模式创新的重要意义,进而分析了互联网金融与小微企业融资的协同合作优势,最后以融资双方的供需对接为标准,把互联网金融与小微企业融资模式分为点对点融资模式、基于大数据的小额贷款融资模式、大众筹资融资模式和电子金融机构-门户融资模式四种主要模式。

Internet Finance is gradually becoming the new channel for small micro enterprise financing. This paper first summarizes the related research of Internet finance and small micro enterprise financing at home and abroad. Second it explains the importance of the Internet and the small micro-finance model innovation in corporate finance,and then analyzes the cooperation advantages of the Internet finance and small micro enterprise financing. Finally on the basis of financing both supply and demand docking, the model innovation of Internet finance and small micro enterprises financing is divided into peer-to-peer financing model,small loan financing model based on large data,public financing model,and the E-finance Institutions-Portal Financing model.