摘要
互联网金融作为我国经济发展中出现的独特经济现象之一,在助力普惠金融发展、促进小微企业发展等方面有着天然的优势。"互联网+"普惠金融行动计划的提出,将普惠金融与互联网金融有机结合起来,对缓解长尾小微企业融资困境的作用巨大。"互联网+"普惠金融在缓解小微企业融资问题上具有边际成本低、信息不对称程度低、参与门槛低、运行效率高和产品灵活多样的优势;同时,对借款人的信用风险、平台的管理风险及信息和技术安全风险的防范也提出了更高要求。
Intemet finance has natural advantages in promoting the development of inclusive finance and slmll micro enterprises. The proposal of Intemet ＋ inclusive financial plan integrates inclusive finance with Intemet finance, and alleviates financing predicament for small rnicm enterprises. Intemet ＋ inclusive finance has advantages in alleviating small micro enterprises＇ financing problems, such as low marginal cost, low degree of inforrmtion asyrrrnetry, low entry barriers, high efficiency and flexble product. At the same time, higher requirement is proposed for the prevention of borrower＇s credit risk, platform mangent risk, and inforrmtion technology security risk
出处
《福建商业高等专科学校学报》
2016年第4期34-39,共6页
Journal of Fujian Commercial College
基金
福建省科技厅软科学项目"‘百姓富
生态美’"的普惠金融支持及路径研究(2016R0032)
关键词
互联网金融
普惠金融
小微企业
融资
Intemet finance
inclusive finance
small and ricro enterprises
financing
