目前很多传统银行金融业务,都受到风险管控的影响,使得部分小微企业难以匹配其严格的审批条件,这就在融资方面给小微企业带来了不小的压力。而时下热门的互联网金融模式,则为小微企业带来了些许光明。文章主要探讨了当前小微企业在融资方面的一些困难,并结合互联网金融的优势对小微企业融资模式上的创新进行了相关阐述。 At present, many traditional banking financial services are subject to risk control, making it difficult for some small and micro enterprises to match their stringent approval conditions, putting a lot of pressure on small and micro enterprises in terms of financing. And nowadays the hot Internet finance model brings a little light to small and micro enterprises. This article mainly discusses some difficulties in current financing for small and micro enterprises, and elaborates on the innovation of financing models of small and micro enterprises with the advantages of Internet finance.