互联网金融融资模式分析——解决中小微企业贷款难新途径  

Analysis of Internet Financing Mode: A New Approach to Solving the Difficulties of Small and Micro Enterprises in Acquiring Loans

作　　者：周琰[1] 

机构地区：[1]中国人民大学经济学院,北京100872

出　　处：《中国井冈山干部学院学报》2016年第1期132-139,共8页Journal of China Executive Leadership Academy Jinggangshan

摘　　要：中小微企业是国家经济发展的重要组成部分,但其融资难是全国性的普遍问题。解决好这一问题对落实"大众创业万众创新"战略具有关键作用。本文通过互联网金融三种融资模式电商融资模式、众筹融资模式以及平台搜索融资模式的分析,对解决中小微企业融资难的困境提出一种新思路,同时通过模型建立提出互联网金融模式下数据质押模式解决中小微企业由于体量小、质押产品有限的融资困境新方式。Moderate,small and micro enterprises are important components of national economy,but it is a nation- wide problem that they face financing difficulties. Solving this problem is critical for carrying through the ＂all people engaging in business creation and innovation＂strategy. This paper,through three kinds of financing patterns,i. e.,e- commerce financing,crowd funding,and platform search financing,provides a new line for solving the moderate,small and micro enterprises＇ financing dilemma. In addition,data pledging under the internet finance model is suggested through data modeling as a new method to solve the moderate,small and micro enterprises＇ financing dilemma caused by their small scale and limited pledges.

关 键 词：中小微企业 融资模式 数据质押 

分 类 号：F83[经济管理—金融学]