内容摘要随着中国市场经济体制的逐步完善，中小企业也快速发展，其数量占全国企业总数的八成以上，现已成为推动国民经济持续健康发展的重要力量，但在金融机构的人民币贷款中，中小企业贷款仅占全部企业贷款总额 33%，存在严重的信贷配给问题。中小企业遭受传统金融机构不愿意向其借贷的融资难困境。此时，互联网金融的发展为中小企业融资提供了新的契机，当下，各式各样的网络融资平台相继出现，一些互联网小额贷款、众筹和其他新型融资模式使中小企业受益。基于中小企业互联网融资模式的优势，本文将分析互联网金融给中小企业带来的意义，并且针对当前可供选择的中小企业互联网融资模式结合实例提出相应的建议，这对于促进互联网金融和中小企业的发展具有十分重要的现实意义。关键词： 中小企业融资 互联网金融 发展AbstractWith the gradual improvement of China's market economic system, SMEs have also developed rapidly, accounting for more than 80% of the total number of enterprises in the country. Now it has become an important force to promote the sustained and healthy development of the national economy, but in the RMB loans of financial institutions, SMEs Loans accounted for only 33% of total corporate loans, and there was a serious credit rationing problem. SMEs suffer from the financing difficulties that traditional financial institutions are not willing to lend to.At this time, the development of Internet finance has provided a new opportunity for SME financing. At present, a variety of network financing platforms have emerged, and some Internet microfinance, crowdfunding and other new financing models have benefited SMEs. Based on the advantages of SMEs' Internet financing model, this paper will analyze the significance of Internet finance to SMEs, and propose corresponding suggestions for the current options for SME Internet financing models, which promotes Internet finance and SMEs. This is very important practical significance.Key words:...
