电商小贷是一种基于大数据的新型网络融资方式,是互联网金融创新的主要模式之一。阿里小贷是电商小贷的典型代表,主要目标是为我国中小企业提供微型金融服务,解决中小企业融资难的问题。本文以阿里小贷为例,对中小企业融资难的问题进行了分析,并提出了电商小贷的发展有效地解决了我国部分中小企业融资难的问题。 E-commerce small loans is a new type of network financing method based on big data and one of the main modes of Internet financial innovation. Ali small loan is a typical representative of small business loans, the main objective is to provide micro-financial services for SMEs in China, SMEs to solve the problem of financing difficulties. In this paper, the case of small loans to Ali as an example of the financing difficulties of SMEs were analyzed, and proposed the development of small loans to effectively solve some of the problems of financing for SMEs in China.