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伴随着中国信息技术的不断发展和金融改革的不断推进,互联网金融作为新的金融力量异军突起,为资金的供求提供了新的渠道。而作为市场经济的重要组成部分的小微企业,一方面为社会提供了大量就业岗位,另一方面自身的资金融合也有着很大挑战。本文阐述互联网金融和小微企业的涵义,提出各种互联网金融下的商业银行小微企业信贷新模式。
With the continuous development of information technology in China and the continuous advancement of financial reform, Internet finance has emerged as a new financial power and has provided a new channel for the supply and demand of funds. As an important part of the market economy, small and micro enterprises, on the one hand, provide a lot of jobs for the society. On the other hand, the integration of their own funds poses a great challenge. This article expounds the meaning of internet finance and small and micro enterprises and puts forward various new modes of small and micro enterprise credit for commercial banks under internet finance.