浅析P2P金融模式下中下企业的融资问题

我国中小企业自改革开放以来，发展十分迅速，为我国GDP和就业率的增长贡献了巨大的力量。然而，中小企业自身存在的融资困难问题，一直未得到有效的解决，这在一定程度上也限制了我国经济的发展速度。然而，随着互联网技术的快速发展，P2P融资模式应运而生，并且在国内外都引起了广泛的关注。其以方便快捷的借贷模式为中小企业的融资注入了新的力量，有望解决长久以来中小企业融资困难的问题。尽管如此，在P2P这一创新模式的实际应用过程中，仍然存在着诸多方面的问题。为了让中小企业可以在P2P模式下解决融资问题，取得健康且长久的发展，笔者主要站在中小企业的角度，对P2P模式下中小企业融资现状及使用P2P模式进行融资的优劣势进行了分析和研究，同时结合国外的中小企业P2P融资发展的案例，针对P2P模式下中小企业的融资问题提出了一些建议，包括中小企业如何加强自身建设，如何规避风险和如何有效的利用P2P融资模式解决企业融资难的问题等等。

关键词：P2P融资模式；中小企业融资困难；解决对策；优劣势分析
Abstract

Small and medium-sized enterprises of our country since the reform and opening up, the development is very rapid, which has made great contributions to China's GDP growth and employment rate. However, the problem of financing difficulty of small and medium-sized enterprises of their own existence, has not been effectively resolved, it also limits the speed of China's economic development to a certain extent. However, with the rapid development of Internet technology, P2P emerges as the times require financing at home and abroad, and has caused the extensive concern. With its convenient loan model for the financing of small and medium-sized enterprises to inject new strength, is expected to solve the long-standing problem of financing difficulties of small and medium-sized enterprises. However, in the practical application process P2P this innovative model, there are still a lot of problems. In order to let the small and medium-sized enterprises can solve the financing problem in the P2P mode, develop healthy and long, the main station in the small and medium-sized enterprise point of view, the current financing situation under the P2P mode and use P2P model for financing the advantages and disadvantages of the analysis and the research, at the same time the development of small and medium-sized enterprise financing P2P foreign cases aiming at the problem of
financing small and medium enterprises, P2P mode put forward some suggestions, including small and medium-sized enterprises to strengthen self construction, how to avoid risks and how to effectively use P2P financing model to solve the difficult problem of corporate finance etc..

Key words：P2P Financing;Financing Difficulties of Small and Medium-sized Enterprises;Countermeasures;Analysis of Advantages and Disadvantages

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