摘要
随着我国社会经济的不断发展以及经济全球化的不断深入,市场的竞争越来越激烈,中小型企业由于自身规模较小,所以一直受到各种问题的困扰.在当今社会中融资模式呈现出多样化的特点,中小型企业在选择融资渠道上有多种选择,比如P2P、众筹以及大数据技术金融等模式,尽管在一定程度上使其融资的难题有效缓解,但在实际融资的过程当中面临着资金风险.中小型企业需要通过加强信息化建设、完善征信体系融资模式多样化来防范风险.
With the continuous development of China’s social economy and the deepening of economic globalization, the competition in the market is becoming fiercer and fiercer. Small and medium-sized enterprises have been plagued by various problems because of their small scale. In today’s society, financing modes show diversified characteristics. Small and medium-sized enterprises have many choices of financing channels, such as P2P, crowdsourcing and big data technology finance. Although to some extent, the financing difficulties are effectively alleviated, they are faced with some capital risks in the actual financing process. Therefore, it is necessary for small and medium-sized enterprises to control risk through strengthening informationization construction, perfecting the credit system and diversifying the financing modes.
作者
黄贞贞
HUANG Zhenzhen(Zhangzhou Institute of Technology, Zhangzhou Fujian 363000, China)
出处
《长沙大学学报》
2019年第5期106-110,共5页
Journal of Changsha University
基金
中国智慧工程中教智创“互联网金融背景下金融专业人才培养研究”(批准号:EDU2081)
