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融资难一直是小微企业发展的瓶颈,互联网金融产品的出现,弥补了小微企业传统渠道融资的不足,为缓解其融资困境提供了更多的渠道。互联网金融产品的出现能够缓解小微企业的融资难、融资贵和金融信息不透明等问题,推动了小微企业融资市场的繁荣,并且发挥了缓解信息不对称、提高资金配置效率、提升金融企业风险管理能力和扩大金融服务覆盖率的效应。
Financing difficulties have always been the bottleneck of the development of small and micro enterprises. The emergence of internet financial products has made up for the lack of traditional channels for small and micro enterprises and provided more channels for mitigating their financing difficulties. The emergence of internet financial products can alleviate the problems of financing, financing, and opaque financial information of small and micro enterprises, promote the prosperity of the financing market for small and micro enterprises, and play a role in alleviating information asymmetry, improving the efficiency of capital allocation, and improving the risk of financial enterprises. Management capabilities and the effect of expanding coverage of financial services.