武汉纺织大学学报
武漢紡織大學學報
무한방직대학학보
Journal of Wuhan Institute of Science and Technology
2015年
2期
9-12
,共4页
科技型小微企业%融资难%P2P借贷%风险控制
科技型小微企業%融資難%P2P藉貸%風險控製
과기형소미기업%융자난%P2P차대%풍험공제
science and technology-oriented small and micro businesses%financing%P2P lending%risk control
科技型小微企业已然成为推动我国经济发展的重要力量，但目前融资难仍是阻碍其健康快速发展的最大障碍。随着互联网金融的不断发展，以P2P为代表的融资服务模式，在有效缓解小微企业融资难题的同时，也暴露出信息披露机制不健全、风险分担模式不合理等问题。本文在深入分析科技型小微企业融资困境的基础上，解析P2P借贷的特征、优势及存在的问题，并从加强风险控制的角度，提出完善建议。
科技型小微企業已然成為推動我國經濟髮展的重要力量，但目前融資難仍是阻礙其健康快速髮展的最大障礙。隨著互聯網金融的不斷髮展，以P2P為代錶的融資服務模式，在有效緩解小微企業融資難題的同時，也暴露齣信息披露機製不健全、風險分擔模式不閤理等問題。本文在深入分析科技型小微企業融資睏境的基礎上，解析P2P藉貸的特徵、優勢及存在的問題，併從加彊風險控製的角度，提齣完善建議。
과기형소미기업이연성위추동아국경제발전적중요역량，단목전융자난잉시조애기건강쾌속발전적최대장애。수착호련망금융적불단발전，이P2P위대표적융자복무모식，재유효완해소미기업융자난제적동시，야폭로출신식피로궤제불건전、풍험분담모식불합리등문제。본문재심입분석과기형소미기업융자곤경적기출상，해석P2P차대적특정、우세급존재적문제，병종가강풍험공제적각도，제출완선건의。
Science and technology-oriented small and micro businesses have become an important force in promoting China's economic development. However, financing remains the biggest barrier to impeding their healthy and rapid development. With the development of Internet financing, those represented by P2P mode of financing services can effectively ease the financing problem of small and micro businesses but also exposes information disclosure mechanism, the risk-sharing pattern is not reasonable, and so on. This thesis is based on an in-depth analysis of financing dilemma of science and technology-oriented small and micro businesses , and it analyzed the features, advantages and existing problems of P2P lending and puts forward a proposal from the view of strengthen risk control.
