互联网金融及其在中小企业融资中的应用研究

摘要

互联网金融改变了传统金融的运营模式,也为创新中小企业融资方式提供了新的思路.文章分析了江苏省中小企业面临的融资问题,阐述P2P网贷借贷、众筹、供应链金融、云计算技术、大数据民间征信系统在解决中小企业融资困境中发挥的作用,在此基础上提出互联网金融支持中小企业融资的政策建议.%Internet finance has not only changed the traditional financial operation mode,but also provided a new way of think-ing of financing of small and medium-sized enterprises(SMEs). This paper analyzes the financing problems faced by SMEs in Jiangsu province,elaborates the roles of P2P(Peer to Peer)lending,crowdfunding,supply chain finance,cloud computing technology,big data private credit system in solving the financing difficulties of SMEs. And on this basis,the paper puts for-ward the policy recommendations on internet financial support for financing of SMEs.