基于互联网金融模式的中小企业融资风险研究

互联网金融模式作为新兴的网络借贷模式逐渐在国内外迅速发展，其借贷方式方便快捷、覆盖面广、成本较低，为迅猛发展的中小企业提供了新的融资视角和渠道。然而，互联网金融创新模式在中小企业融资的实际运用中仍存在着较大风险。建议建立全国性的规范征信体系、制定互联网金融模式的法律法规、加强互联网金融监管约束及强化中小企业自身建设等，对科学防范中小企业融资风险有着重要的现实意义。

Research on theRisks of SME Financing based on Internet Financial Mode

Under the development of the Internet technology,Internet financial model is gradually and rap?idly developing in China and abroad as an emerging network lending model. Its loaning isfast and convenient with wide coverageand low cost,providinga new perspective and channel of financing for those rapidlydevelop?ingSMEs. However,there is still a big risk in the practical application of Internet financialinnovation modelin SME financing. setting up national standard mode of the credit system,making the Internet financial laws and regulations,strengthening the supervision andconstraintof the Internet financial,and strengthening the con?struction of small and medium-sized enterprise,have important practical significance for scientific prevention of SME financial risk.