基于互联网金融的中小企业融资概述及政策研究

发布时间：2018-03-19 23:02

本文选题：互联网金融　切入点：中小企业　出处：《经济视角》2016年05期 　论文类型：期刊论文

【摘要】：中小企业作为非公有制经济的主体,在我国经济结构调整转型、产业升级的进程中,对加快经济增长、稳定国家税收、增加就业岗位、加速城镇化以及推进技术创新等层面发挥着不可替代的作用。然而困扰我国中小企业可持续发展的融资难问题,却是中小企业成长发展过程中的一个恶性"肿瘤",若不能将之清除,中小企业将会在经济全球化的背景下越走越偏,最终走向沉沦。但随着互联网和移动通讯等技术的发展,互联网逐渐与传统金融相结合,产生了新生物——互联网金融,互联网融资激活了民间资本与中小企业融资需求的有效配比,拓宽了融资渠道,提高了资金的流通、资源的有效配置以及资本市场运行效率。本文将阐述互联网金融的优势如何与融资困难实现有效对接,将依托互联网融资的成功案例运用到中小企业,进一步使得中小企业融资渠道更加多元化,融资过程更加便利化,最后结合在互联网融资过程中可能出现的问题提出对策建议。
[Abstract]:As the mainstay of the non-public sector of the economy, small and medium-sized enterprises, in the process of economic restructuring and industrial upgrading in China, have contributed to accelerating economic growth, stabilizing state taxes, and increasing employment posts. The acceleration of urbanization and the promotion of technological innovation play an irreplaceable role. However, it is difficult to finance the sustainable development of small and medium-sized enterprises in China. But it is a malignant "tumor" in the growth and development of small and medium-sized enterprises. If they cannot be cleared up, small and medium-sized enterprises will become more and more biased against the background of economic globalization and eventually sink. However, with the development of technologies such as the Internet and mobile communications, With the combination of the Internet and traditional finance, a new bio-Internet finance has emerged. Internet financing has activated the effective matching of private capital and the financing needs of small and medium-sized enterprises, widened the financing channels and improved the circulation of funds. The effective allocation of resources and the efficiency of capital market. This paper will explain how the advantages of Internet finance can effectively connect with the financing difficulties, and apply the successful cases of Internet financing to small and medium-sized enterprises. Further make the financing channels of SMEs more diversified, the financing process more convenient, finally combined with the possible problems in the Internet financing process to put forward countermeasures.
【作者单位】：湖南科技大学商学院;
【基金】：湖南省研究生科研创新项目“基于互联网金融视角下的中小企业融资问题研究”(项目编号:CX2016B579)阶段性成果
【分类号】：F276.3;F832.4

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