小微企业因为自身的局限性，融资渠道较为单一，融资也较为困难。当前，在互联网金融新型业态不断涌现，其为小微企业融资带来了新的机遇。本文以小微企业为研究对象，对小微企业几种传统融资模式进行了介绍，分析出了小微企业融资困难的主要原因。除此之外，本文还对互联网金融的发展模式进行了介绍，结合小微企业融资难的实际情况，为小微企业如何在新兴业态下，更好的利用互联网金融中的大数据金融技术、P2P网贷、众筹平台等拓宽融资渠道，降低融资成本提供建议，使得小微企业与互联网金融协调发展，改善融资困境。%Small and micro enterprises because of their own limitations, the financing channel is relatively single, the financing is more difficult. In this paper, the small and micro enterprises as the research object, the traditional financing mode of small and micro enterprises were introduced, and the main reasons for the difficulties of financing of small and micro enterprises were analyzed. In addition, this paper also describes the development of Internet banking, combined with the actual situation of small and micro enterprises financing, for small and micro enterprises in emerging business format, the better use of Internet banking big data financial technology, P2P, crowdfunding and other platform to broaden the financing channels, reduce financing costs, so that small and micro enterprises and Internet financial coordination development, improve financing difficulties.
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