进入21世纪以来,我国发生了翻天覆地的变化,经济不断发展,社会不断进步。现阶段,我国小微企业的数量逐渐增加,小微企业是影响我国经济发展的重要因素。我国的小微企业在发展过程中存在着融资困难的问题,互联网金融的出现有效的缓解了这一问题。本文以互联网金融与小微企业融资模式为研究对象,探讨了互联网金融与小微企业融资模式的具体创新策略。 Since the beginning of the 21st century, tremendous changes have taken place in our country. The economy continues to develop and society continues to progress. At this stage, the number of small and micro enterprises in our country is gradually increasing. Small and micro enterprises are an important factor that affects our country’s economic development. China’s small and micro enterprises in the development process there is the problem of financing difficulties, the emergence of Internet finance effectively alleviate this problem. In this paper, the Internet finance and small and micro enterprise financing model as the research object, discusses the Internet finance and small and micro enterprise financing model of specific innovation strategy.