互联网金融服务于中小微企业探析

2014年阿里巴巴在纽约证券交易所的正式上市,我国互联网金融企业迎来了一个春天。互联网涉猎于金融行业相关的服务及产品之中。互联网金融的发展在一定程度上促进了相关金融行业的整体发展,实现了相关服务信息的透明化和公开化。一方面,中小微企业相关金融服务存在融资的手续繁琐,成本相对较高,信贷配给量过低,融资渠道单一;另一方面,互联网金融实现了小额信贷的规模化和金融服务的订单化,保证了低成本服务的覆盖面积,实现了融资模式的创新。

Analysis of Internet Finance in Serving Medium,Small and Micro-sized Enterprises

Alibaba Group officially listed on the NYSE in 2014, a sign of the start of a rising period for Internet finance businesses in China. Internet involves with the services and products of financial enterprises. To some extent, the development of Internet finance stimulates the overall growth of the financial industry with transparent and open information of relative services. On the one hand, for medium, small and micro-sized enterprises, it is difficult to obtain a financial service because of the complicated financing procedure, relatively high cost, low credit rationing, and single financing channel. On the other hand, with Internet finance, large scale micro-credit and order-oriented financial services are realized, low-cost service coverage is enlarged, and the financing pattern is improved.