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在借鉴小微企业集群融资模式相关文献资料及调研信息基础上,结合互联网金融发展趋势,创新性地构建了基于互联网金融的小微企业集群互助融资模式,探讨了该模式的运行机理,并对小微企业、政府部门、征信机构、担保机构、互联网金融平台等相关主体间的关系进行了分析,指出了该模式的运行前提条件及优缺点,并为该模式在实务中的应用指明了需要完善的方向。
Based on the literature and research information about financing mode of small and micro enterprise cluster, combined with the development trend of internet finance, this paper constructs innovative financing mode of small and micro enterprise clusters based on Internet finance, and explores the operating mechanism of this mode. The relationship between the relevant subjects such as small and micro enterprises, government departments, credit bureaus, guarantee agencies, Internet financial platform and so on, points out the operational prerequisites, advantages and disadvantages of this model, and points out the application of this model in practice Need to improve the direction.