互联网金融背景下中小民营企业融资的出路探索  

The Financing Model of China’s Small and Medium Private Enterprises in the Context of Internet Finance

作　　者：李盼道[1] 杨玉晴 LI Pandao;YANG Yuqing(College of Law,Dezhou University,Dezhou Shandong,253023,China)

机构地区：[1]德州学院法学院,山东德州253023

出　　处：《西南石油大学学报（社会科学版）》2022年第1期16-25,共10页Journal of Southwest Petroleum University(Social Sciences Edition)

基　　金：国家社科基金项目“互联网金融下我国中小企业发展研究”(19BJL056);德州学院横向课题“中小企业产业发展模式与经营模式研究”(LHBX–2018086)。

摘　　要：融资难是阻碍中小型民营企业发展的最大难题。互联网金融为中小民营企业创新融资模式带来了机遇,解决了其在融资时面临的信息不对称、融资渠道单一、融资效率低下等问题,在一定程度上缓解了融资困境。但是,在这一过程中,中小民营企业依旧面临着法律法规不健全、互联网技术风险、资金来源不足等挑战。面对这些问题和挑战,中小民营企业在发展过程中要努力提高自身核心竞争力,同时强化与同行业其他公司的互助合作。当然,政府也应积极完善法律法规,简化融资申请程序,为中小民营企业融资提供完善的信贷体系,使其在互联网技术的推动下持续、稳定、健康发展。Small and medium private enterprises have been faced with financing difficulties.The development of Internet finance has broadened financing channels,reduced financing costs,and brought new opportunities for its innovative financing model development.To a certain extent,Internet finance has solved the problems of information asymmetry,single financing channels,and low financing efficiency,and alleviated financing difficulties,and promoted the innovation and development of financing models.But it still faces many challenges.The inadequacy of relevant laws and regulations,internet technology risks,and lack of funding sources have driven small and medium private enterprises to focus on strengthening scientific and technological innovation capabilities to improve its core competitiveness,and to strengthen cooperation among companies.The government must also improve relevant laws and regulations,maintain a fair market competition environment,appropriately reduce financial entry barriers,simplify financing application procedures,and enable them to continue and develop healthily with the promotion of Internet technology.

关 键 词：互联网金融 中小民营企业 融资 信用融资风险 企业征信管理 

分 类 号：F275[经济管理—企业管理]