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虽然是社会经济发展的重要基础,“融资难”问题一直是小微企业发展过程中的最大困扰。互联网经济创造的一种打破传统“融资难”桎梏的融资模式——众筹融资,无疑为小微企业的融资开启了新大门。本文首先介绍我国小微企业融资难的现状,其次分析众筹融资模式的由来及发展状况,通过比较小微企业众筹融资的优势及风险,分析众筹融资对小微企业融资的适用性,最后,对我国中小企业“众筹”融资提出合理化建议。
Although it is an important foundation for social and economic development, the issue of “financing difficulty” has always been the biggest disturbance in the development of small and micro enterprises. A financing model broken by traditional “financing difficulties” created by the Internet economy - crowdfunding financing undoubtedly opens new doors to the financing of small and micro enterprises. This article first introduces the status quo of financing for small and micro enterprises in our country, then analyzes the origin and development of crowdfunding financing mode, compares the advantages and risks of crowdfunding financing for small and micro enterprises, analyzes the applicability of crowdfunding financing to financing for small and micro enterprises, Finally, put forward reasonable suggestions to the financing of SMEs “Crowdfunding ” in our country.