互联网金融环境下小微企业融资方法探析  

Analysis of the Financing Methods of Small and Micro Enterpris es in the Internet Financial Environment

作　　者：吴毓建 WU Yujian(Chengdu Xinzhu Road&Bridge Machinery Co.,Ltd.,Chengdu 611430,China)

机构地区：[1]成都市新筑路桥机械股份有限公司,四川成都611430

出　　处：《商业观察》2023年第30期70-73,共4页BUSINESS OBSERVATION

摘　　要：小微企业是我国市场经济活动中的构成主体,已经成为我国经济发展过程中最具活力并占据重要位置的角色。小微企业群体的崛起,不仅能够为我国区域经济的发展提供助力,还可以为当地经济带来新的增长点,提供诸多就业岗位,缓解社会发展的困难和压力。特别是随着国家金融普惠政策的出台和实施,小微企业融资成本不断降低,利用大数据系统能够及时完成贷款审批工作,这在一定程度上缓解了小微企业融资困难的问题。随着当前互联网经济的崛起,在互联网经济与金融业务跨界融合的过程中,互联网金融新兴发展领域应运而生。互联网金融背景下的融资模式,将发展的着眼点聚焦于小微企业群体上,为彻底解决小微企业融资问题带来了新思路和新方案。文章主要分析了互联网金融环境下小微企业的融资发展现状,并就互联网金融背景下小微企业的融资发展对策进行了探讨,希望为推动小微企业良性循环提供参考。Small and micro enterpri ses are the main body of China's market economi c activities,and have become the most dynamic and occupied an important position in the process of China's economic development.The rise of small and micro enterprises can not only provide impetus for the development of China's regional economy,but also bring new growth points for the local economy.It provides many job opportunities,and alleviates the difficulties and pressure of social development.Especially with the introduction and implementation of the national financial inclusion policy,the financing cost of small and micro enterprises has been continuously reduced,and the big data system can timely complete the loan approval work,which alleviates the financing difficulties of small and micro enterprises to a certain extent.With the rise of the current internet economy,in the process of cross-border integration between the internet economy and financial business,the emerging development field of internet finance arises at the historic moment.The financing mode under the background of internet finance focuses on the development of small and micro enterprises,and brings new ideas and solutions to completely solve the financing problems of small and micro enterprises.This paper mainly analyzes the financing development status of small and micro enterprises in the environment of internet finance,and discusses the financing development countermeasures of small and micro enterprises under the background of internet finance,hoping to provide a referen ce for promoting the virtuous cycle of small and micro enterpri ses.

关 键 词：小微企业 互联网金融 融资发展 有效对策 

分 类 号：F275[经济管理—企业管理]