互联网金融与商业银行融合的中小企业融资研究  

Research of SMEs' Financing on the Basis of Combination of Internet Finance and Commercial Bank

作　　者：王轶昕[1,2] 

机构地区：[1]长城华西银行股份有限公司,四川成都610041 [2]西南财经大学天府学院,四川成都610000

出　　处：《技术经济与管理研究》2017年第2期77-81,共5页Journal of Technical Economics & Management

基　　金：2012年度教育部人文社会科学研究青年基金项目(12YJCZH011);四川省哲学社会科学重点研究基地-四川石油天然气发展研究中心资助项目(川油气科SKB12-19)

摘　　要：新常态下中小企业的持续健康发展是"供给侧改革"中的重要一环,但融资难问题一直是制约其发展的瓶颈,而商业银行也亟需为中小企业融资探索新途径。文章从互联网金融支付方式、信息处理和资源配置三大功能入手,结合目前中小企业融资难的现实原因,指出商业银行与互联网平台的有机结合应该成为支持中小企业融资的主要方向,并对目前融资矛盾突出的汽车行业进行专项分析。同时应注意,互联网金融平台作为新兴事物,要正视其局限性,使应用有的放矢。Under the background of China＇ snew norm, the sustained and healthy development of small and medium-sized enterprises is an important part of the supply-side reforms. However, financing problem is the bottleneck of its development, while commercial banks urge to open new channels for SMEs＇ financing. From the major three function including Internet banking payment ways, information processing and resource allocation, the paper, on the base of actual problems of SMEs＇ financing, illustrates that combination between commercial bank and internet platforms could be the useful way for SME＇s financing support which make special analysis for financing problem in motor industry. But on the other hand, Internet banking as a new thing, we should formally concernits limitations and have a definite object in view.

关 键 词：互联网金融模式 中小企业融资 商业银行 供应链 

分 类 号：F830[经济管理—金融学]