小微企业在国民经济中扮演着重要角色,小微企业在融资过程中却存在许多难题。基于金融创新的网络融资服务,为小微企业融资营造了新的融资环境。文章通过对来自小微融资调研报告面的板数据进行分析,总结了当前我国小微企业存在的一些融资难题。在明确网络融资环境特点的基础上,以小微企业视角归纳了网络融资的四种服务模式及具体服务流程,并从减少信息不对称、降低交易成本、提升服务水平三个维度出发在宏观上研究网络融资的效用。

(School of information management, Wuhan University, Wuhan 430072,China)：Small and micro enterprises play an important role in national economy. However, there are many difficulties in financing process of small and micro enterprises. Fortunately, the network financing service which based on the financial innovation create new financial environment for small and micro enterprises’ financing. This article has summarized some common difficulties of small enterprises’ financing based on analyzing the data of small enterprises’ research report.. After clearing theStraits of network financing environment, this article concludes four kinds of service patterns and specific service process in view of small enterprises’ visual angle, and investigates the utility of the network financing macroscopically from three aspects including decreasing asymmetry of information, reducing transaction cost and promoting service standard.

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