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小微企业的发展能够促进社会稳定、带动就业,为社会经济的发展做出有效的贡献。然而小微企业因为自身规模较小,往往会面临极为严重的融资瓶颈,融资成本高、融资结构不合理、融资渠道狭窄以及融资缺口大是众多小微企业共同面临的困境。随着我国经济与社会的不断发展,互联网金融本身所具有的不受地域制约、服务订单化、高效率、低成本以及大数据等方面的优势,其逐渐发展成解决小微企业融资困境的重要途径。鉴于此,本文主要基于互联网金融时代背景下针对小微企业几种融资模式进行了详尽的探讨,旨在为推动小微企业的发展贡献自己的绵薄之力。
The development of small and micro enterprises can promote social stability, promote employment and make effective contributions to the social and economic development. However, because of their small size, small and micro enterprises often face extremely serious financing bottlenecks, high financing costs, irrational financing structures, narrow financing channels and large financing gaps are the common plight faced by many small and micro enterprises. With the continuous development of economy and society in our country, the Internet finance itself has advantages of geographical restriction, service ordering, high efficiency, low cost and big data, and has gradually developed into an important solution to the financing predicament of small and micro enterprises way. In view of this, this article mainly discusses several financing modes for small and micro enterprises under the background of Internet finance era, and aims to contribute their own modest efforts to promote the development of small and micro enterprises.