| 彭素琴.普惠金融视角下互联网金融支持小微企业融资路径研究[J].井冈山大学社科版,2018,(4):98-104 |
| 普惠金融视角下互联网金融支持小微企业融资路径研究 |
| The Ways for the Internet Fiance to Support Small and Micro-businesses for Financing under the Perspective of Inclusive Finance |
| 投稿时间：2018-03-20 |
| DOI：10.3969/j.issn.1674-8107.2018.04.015 |
| 中文关键词: 普惠金融 小微企业 互联网金融 |
| 英文关键词: Inclusive finance Small and micro-business The Internet finance |
| 基金项目:国家自然科学基金项目“基于双重网络嵌入下小微企业‘生命周期陷阱’突破机制及路径研究”（项目编号：71563022）。 |
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| 中文摘要: |
| 融资难、成本高是制约小微企业发展的瓶颈。互联网金融开启了融资新模式，P2P互联网借贷平台模式、大数据下电商融资模式、众筹融资模式和互联网金融门户等融资模式有效破解了小微企业融资困境，为小微企业发展带来了巨大生机。在普惠金融已上升为国家战略的背景下，互联网金融如何支持小微企业发展，有效化解融资难的问题，还需大力推进金融及相关制度创新。 |
| 英文摘要: |
| The difficulty and high cost of financing become a bottleneck for the development of small and micro-businesses. The Internet fiance opens a new financing pattern. The financing patterns, such as P2P, the E-commerce financing pattern under the big data, the crowdfunding pattern, the Internet finance portals, etc. effectively solve financing dilemma of the small and micro-businesses, and offer a great opportunity for their development. Under the background that the inclusive finance has been taken as a national strategy, the finance and institution innovation is necessary for the Internet finance to support the small and micro-businesses and help them solve the financing difficulties. |
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