互联网背景下小微企业融资模式研究  

Research on Financing Mode of Small and Micro Enterprises under the Background of Internet

作　　者：黄莉娟[1] Huang Lijuan(School of Accounting,Jiangsu Vocational Institute of Commerce,Nanjing 211168)

机构地区：[1]江苏经贸职业技术学院会计学院,南京211168

出　　处：《北方经贸》2021年第6期113-117,共5页Northern Economy and Trade

基　　金：江苏省高校哲学社会科学研究项目(2020SJA0714)。

摘　　要：随着互联网技术和信息技术的飞速发展,互联网金融顺势而生。互联网金融相比传统金融服务领域具有无法比拟的优势。在这种优势吸引力下,对基于互联网背景的P2P网贷融资模式、电商平台融资模式、互联网供应链金融融资模式进行详细分析,不难看出互联网金融融资模式能够为小微企业提供差异化、个性化、便捷、高效的融资服务,对小微企业融资具有积极效应。最后,就基于互联网背景的小微企业融资模式保障措施提出了相关建议。With the rapid development of Internet technology and information technology, Internet finance has come into being. Internet finance has incomparable advantages over traditional financial services. With such advantages and attractions,the paper makes a detailed analysis of P2 P network loan financing mode, e-commerce platform financing mode and Internet supply chain finance financing mode based on the Internet background, and draws the conclusion that Internet finance financing model can provide differentiated, personalized,convenient and efficient financing services for small and micro enterprises, and have a positive effect on small and micro enterprises’ financing. Finally, the paper puts forward some Suggestions on the financing mode guarantee measures for small and micro enterprises under the background of Internet.

关 键 词：小微企业 互联网金融 融资模式 P2P网贷 电商平台 互联网供应链金融 

分 类 号：F270[经济管理—企业管理]