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随着国家鼓励自主创业政策的进一步推行,越来越多的小微企业开始在我国的市场经济中扮演着日益重要的角色。可是我国小微企业目前的发展状况并不乐观,尤其是融资困难的问题,更是让小微企业的发展陷入了瓶颈。然而,近几年P2P网络借贷平台的兴起与发展给小微企业的融资带来了无限希望。本文旨在对P2P网络借贷平台的运营模式进行介绍,并分析其兴起给小微企业的融资带来的影响,同时针对存在的问题尝试提出一些合理化的建议。
As the state encourages further promotion of its own undertaking policy, more and more small and micro enterprises have begun to play an increasingly important role in the market economy of our country. However, the current development of small and micro enterprises in our country is not optimistic. In particular, the problem of financing difficulties is to bottleneck the development of small and micro enterprises. However, the rise and development of P2P online lending platform in recent years has brought infinite hope for the financing of small and micro enterprises. The purpose of this paper is to introduce the operation mode of P2P online lending platform and to analyze its impact on the financing of small and micro enterprises. At the same time, some reasonable suggestions are put forward according to the existing problems.