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在社会发展以及国民经济中,小微企业是非常重要的基础。其对于促进经济增长、改善民生以及解决就业都具有极大的作用。而在小微企业融资的过程中,互联网金融已经成为其新渠道。因此本文对互联网金融与小微企业融资模式创新进行了深入的研究,分析了当前小微企业融资过程中面临的困境,从而对互联网金融与小微企业融资模式创新策略做了详细的阐述。
In the social development and the national economy, small and micro enterprises are very important bases. It has a tremendous role in promoting economic growth, improving people’s livelihood and solving employment. In the process of financing small and micro enterprises, Internet finance has become its new channel. Therefore, this paper makes an in-depth research on the innovation of internet finance and small and micro-enterprise financing models, and analyzes the current difficulties in the financing of small and micro enterprises. Then it elaborates on the innovation strategy of financing models of internet finance and small and micro enterprises.