CAJ | 학술논문

伴随移动支付、社交网络、大数据和云计算等互联网信息技术的飞速发展，大众消费方式的改变以及现代金融理念的革新，互联网与金融业的相互融合和渗透日益深化。小微企业对于经济的发展做出了巨大的贡献，但是小微企业的融资问题却也一直存在。理论界针对小微企业融资问题的研究一直在进行，但是由于国家经济结构与现有政策的限制，小微企业融资问题一直没有得到根本的解决。互联网金融的产生，使得彻底解决小微企业融资问题成为了可能。互联网金融有六大模式并具有大数据优势与低成本优势，对小微企业存在融资困境进行理论分析能够得到相应的解决方法，阿里巴巴公司就是很好的实例。
반수이동지부、사교망락、대수거화운계산등호련망신식기술적비속발전，대음소비방식적개변이급현대금융이념적혁신，호련망여금융업적상호융합화삼투일익심화。소미기업대우경제적발전주출료거대적공헌，단시소미기업적융자문제각야일직존재。이론계침대소미기업융자문제적연구일직재진행，단시유우국가경제결구여현유정책적한제，소미기업융자문제일직몰유득도근본적해결。호련망금융적산생，사득철저해결소미기업융자문제성위료가능。호련망금융유륙대모식병구유대수거우세여저성본우세，대소미기업존재융자곤경진행이론분석능구득도상응적해결방법，아리파파공사취시흔호적실례。
with the rapid development of mobile payment, social networks, big data and cloud computing such as Internet information technology, mass consumption patterns change and innovation of modern financial theories, Internet and financial deepening mutual integration and penetration. Small and micro businesses and made great contribution to the economic development, but the problem of financing Small and micro businesses have also been there. Research on small micro enterprise financing problems theorists have been in progress, but because of the national economic structure and the limitations of existing policies, small micro enterprise financing problems have not been fundamentally resolved always. Internet finance makes completely solve the small micro enterprise financing problems become possible. Internet Finance six major models as well as the advantages of the Internet financial data of low cost advantage, and the small micro enterprise financing difficulties and the existing analysis methods are put forward to solve the theory, finally by analyzing the example of Alibaba small micro finance.