摘要
文章基于电子商务平台的小微企业(网商或电商)融资需求出发,通过对以阿里小贷为代表的互联网融资模式的研究,以及以民生银行为代表的传统银行业对互联网金融所带来的冲击的应对,比较互联网融资模式与传统商业银行融资模式的区别、各自的优劣势所在,提出了互联网金融模式和传统商业银行在电商小微企业不同的发展阶段所提供的不同的融资路径选择。
Based on e-commerce platform of small and micro enterprise funding needs, through the Intemet business represented by Ali small loan financing model research, as well as the traditional bank represented by Minsheng bank on the response of the impact of the Intemet financial, compare the lntemet financing mode and the traditional commercial bank financing mode, the difference between their respective advantages and disadvantages, puts forward the Intemet financial mode and the traditional commercial Banks in the electricity provided by the different stages of development of small micro enterprises of different financing path selection.
出处
《改革与战略》
北大核心
2015年第8期158-161,共4页
Reformation & Strategy
关键词
互联网金融
电商小微企业
阿里小贷
传统银行融资模式
Internet financial
electricity supplier of small and micro enterprises
Ali small loan
traditional bank financing mode
