互联网背景下小微企业供应链融资问题研究
Research on Supply Chain Financing for Small and Micro Enterprises in the Context of the Internet

小微企业是我国国民经济不可或缺的组成部分，在经济发展中发挥着十分重要的作用。然而，在传统的金融模式中，小微企业面临资金规模小、竞争力弱等问题，给小微企业融资带来很大困难。目前，以互联网平台为主导的供应链融资通过在线运营模式提高了服务效率，也提高了小微企业的融资能力。然而，由于参与者众多，操作步骤冗余，新流程和旧流程中产生的操作风险加剧。本文首先分析了小微企业的现状及其融资难的原因，然后提出了利用互联网供应链融资的方案，来帮助小微企业在市场中取得更好的发展。
Small and micro enterprises are an indispensable component of China’s national economy and play a very important role in economic development. However, in traditional financial models, small and micro enterprises face problems such as small capital scale and weak competitiveness, which bring great difficulties to their financing. At present, supply chain financing led by internet platforms has improved service efficiency and enhanced the financing capabilities of small and micro enterprises through online operation models. However, due to the large number of participants and redundant operational steps, the operational risks generated in the new and old processes are exacerbated. This article first analyzes the current situation of small and micro enterprises and the reasons for their difficulty in financing, and then proposes a plan to use internet supply chain financing to help small and micro enterprises achieve better development in the market.