摘要：小微企业是国民经济和社会发展中最基础、最活跃的群体，在扩大就业、增加税收、改善民生、促进社会稳定等方面具有重要的作用，但是却面临着融资艰难的困境，这也是我国近几年的热点话题。本文通过对我国小微企业融资现状的描述，主要从内部和外部两个方面分析了造成小微企业融资困难的原因，同时研究了P2P网络信贷、大数据金融、众筹平台三种创新型融资模式的运作过程，最后在互联网金融背景下对小微企业融资问题提出积极的对策和建议，以促进小微企业的健康发展以及社会经济的稳步增长。

关键词：小微企业；融资问题；互联网金融；融资模式

Research on financing problems of small and micro enterprises and Countermeasures

Abstract：Small and micro enterprises are the most basic and active groups in the national economy and social development. They play an important role in expanding employment, increasing taxes, improving people's livelihood and promoting social stability.  However, they are facing difficulties in financing difficulties. In recent years, it has been also the hot topic in China. This paper analyzes the current situation of the financing of small and micro enterprises in China, and mainly analyzes the causes of the difficulties of financing small and micro enterprises from the internal and external aspects. At the same time, it studies the operation process of three kinds of innovative financing modes, such as P2P network credit, large data finance and public financing platform. Finally, it puts forward some positive countermeasures and suggestions for the micro-enterprise financing in the background of Internet finance, to promote the healthy development of small micro-enterprises as well as the steady growth of social economy .

Keywords: small and micro enterprises; financing issues; internet finance; financing modes

目 录

0引言 1

1小微企业融资基本概述 1

1.1小微企业的含义及特点 1

1.2小微企业的作用 2

1.3小微企业的融资 3

2我国小微企业的融资现状 4

2.1融资需求迫切，供需矛盾突出 5

2.2融资方式单一，融资渠道狭窄 5

2.3流动性强度高，资金缺口较大 6

2.4银行贷款增速放缓 7

2.5小微企业融资成本高 8

3我国小微企业融资问题的成因分析 8

3.1财务规章制度不规范，财务风险大 9

3.2信息不对称，增加信贷风险 9

3.3经营管理水平落后，经营风险大 10

3.4缺乏抵押担保资产 10

3.5商业银行存在信贷偏好 10

3.6缺少针对小微企业的金融机构 11

3.7信用担保体系不够完善 11

3.8金融体制不健全，政府扶持力度不够 12

4互联网金融下小微企业融资模式的创新研究 12

4.1互联网金融的概念 12

4.2互联网金融的特点 12