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小微企业是产业经济和社会发展的重要基础,也是新常态下经济转型升级的重要载体,然而融资问题一直是制约我国小微企业发展的瓶颈。本文以“长尾”理论为基础,对互联网金视角下小微企业的融资现状进行了研究。在传统融资市场当中,小微企业很大程度上被排斥在正规金融体系之外,互联网金融的加入,从一定程度上改变了这样的状况,弥补了适量的供给缺口,减轻了信贷供给程度,促进了金融资源的合理配置,这也为解决小微企业融资困境提供了新的视角。
Small and micro enterprises are an important foundation for industrial economic and social development, and also an important carrier for economic transformation and upgrading under the new normal. However, financing issues have always been the bottleneck restricting the development of small and micro enterprises in China. Based on the theory of “long tail” theory, this paper studies the financing status of small and micro enterprises under the perspective of internet gold. In the traditional financing market, small and micro enterprises are largely excluded from the formal financial system. The joining of internet finance has, to a certain extent, changed such a situation, compensated for a modest supply gap, and reduced the degree of credit supply. Promote the rational allocation of financial resources, which also provides a new perspective for solving the financing dilemma of small and micro enterprises.