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当代社会,信息技术高度发展,也带动了互联网金融的产生和发展,为资金供求提供了新渠道。本文首先指出银行金融服务和小微企业在传统背景下存在的缺陷,进而结合互联网金融发展的优势,分析了几种互联网金融融资的主要模式,得出互联网金融具有手续方便、灵活,能满足小微企业融资需求的结论,可以补充现有银行体系的不足。最后对互联网金融管理体制提出了思考。
In modern society, the high development of information technology has also led to the emergence and development of Internet finance, providing a new channel for the supply and demand of funds. This paper first points out the shortcomings of bank financial services and small and micro enterprises in the traditional background, and then analyzes the main models of several kinds of Internet financial financing based on the advantages of Internet finance development. It concludes that internet finance has the advantages of convenient and flexible procedures and small The conclusion of the financing needs of micro-enterprises can supplement the deficiencies of the existing banking system. Finally, it puts forward some thoughts on the internet financial management system.