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小企业融资难问题由来已久。我国正处在经济加速转型时期,小企业在国民经济和社会持续健康发展中发挥着重要作用,是发展社会生产力的主力军。通过银行贷款等传统融资途径难以在短期内打破僵局,因此需要新的间接融资途径。P2P网络借贷平台应运而生的,蓬勃发展,但行业混乱,缺乏监管。但随着市场洗牌,监管制度完善,其必将成为小企业融资的一条重要补充途径。
Small business financing problems for a long time. Our country is in the period of economic acceleration and transformation. Small enterprises play an important role in the sustained and healthy development of the national economy and the society and are the main force in the development of social productive forces. It is difficult to break the deadlock in the short term by traditional means of financing such as bank loans, so new indirect financing is needed. P2P network lending platform came into being, booming, but the industry is chaotic, lack of supervision. However, with the reshuffle of the market and the improvement of the regulatory system, it will surely become an important supplement to the financing of small enterprises.