摘要
中小微企业在我国经济发展中一直起着至关重要的作用,但传统金融模式一直未能有效地解决中小微企业融资难的问题。金融科技背景下,金融模式不断创新。首先,系统梳理了金融科技的概念以及金融科技在中国的发展现状;接着介绍了P2P和众筹两种融资模式,进而对金融科技如何解决中小微企业的融资难问题提出思路;最后,从监管机构、金融机构和中小微企业等层面提出相应的建议,以此促进金融科技的健康发展,最终有效解决中小微企业的融资难题,使中小微企业融资前景可期并且具有投资价值。
Micro,small and medium-sized enterprises(MSMEs)play a crucial role in national economy and social development,but traditional financial modes have not find out effective ways to overcome difficulties that MSMEs have in obtaining financial support for a long time.With the development of financial technology(Fintech),new financial models spring up constantly.First,it systematically details the connotation and the current situation of Fintech in China,and then focuses on P2P and crowd-funding.An overview on how Fintech will solve problems that MSMEs encounter in obtaining financial support.Finally concrete suggestions for regulators,finan?cial institutions and MSMEs are offered to promote healthy development of Fintech and deal with problems effectively that promising and potential MSMEs may encounter in financing.
作者
李洋
LI Yang(School of Economics and Management,Inner Mongolia University for Nationalities,Tongliao 028043,China)
出处
《内蒙古民族大学学报（社会科学版）》
2018年第1期114-119,共6页
Journal of Inner Mongolia Minzu University：Social Sciences
基金
内蒙古民族大学科学研究基金资助项目(一般项目)"互联网金融浪潮下通辽市中小微企业融资方式探析"(项目编号:NMDYB15035)的阶段性成果之一
