CAJ | 학술논문

互联网金融产品对传统金融市场的渗透，给银行业的传统金融服务模式带来巨大的冲击，从政府的政策导向可见互联网金融的冲击力之大。在互联网金融服务与传统金融服务的对碰中，研究小微企业融资模式受到怎样的影响，探索解决小微企业融资难问题的方法，推动小微企业的健康发展有着积极的现实意义。文章首先归纳了互联网金融发展的现状和趋势，互联网金融的内涵及影响，进而从互联网金融模式创新角度分析了互联网金融对小微企业融资模式的影响。
호련망금융산품대전통금융시장적삼투，급은행업적전통금융복무모식대래거대적충격，종정부적정책도향가견호련망금융적충격력지대。재호련망금융복무여전통금융복무적대팽중，연구소미기업융자모식수도즘양적영향，탐색해결소미기업융자난문제적방법，추동소미기업적건강발전유착적겁적현실의의。문장수선귀납료호련망금융발전적현상화추세，호련망금융적내함급영향，진이종호련망금융모식창신각도분석료호련망금융대소미기업융자모식적영향。
Penetration of the internet financial products to the traditional financial market,bring the enormous impact to the traditional financial service mode of the banking industry,from the impact of government policy oriented finance of visible internet.In the internet financial service and traditional financial services competition,research small and micro businesses financing mode influence,explore the way to solve the problem small and micro businesses financing,has a positive practical significance in promoting the healthy development of Small and micro businesses.This paper first summarizes the current situation and trend of the Internet financial development,connotation and influence of the internet finance,then from the Internet financial model innovation point of view of the internet financial effects of micro enterprise financing mode of small.