近年来,互联网金融在我国高速发展,引起国内外学术界的大量关注。本文描述了宁波市互联网金融发展概况,分析了宁波互联网金融支持小微企业融资中存在的主要问题。为了充分发挥互联网金融对宁波小微企业融资的支持作用,宁波需要完善征信系统建设,扶持P2P网贷规范发展,推动跨境贸易电商金融化发展,优化互联网金融政策环境。

Internet finance developed rapidly in recent years, which attract much attention in academic circle. This paper illustrates the current situation of internet finance in Ningbo and its problems in facilitating financing for micro and small enterprises. Additionally, countermeasures for Ningbo such as to improve the system of credit checking, aid P2P lending companies, promote the financing functions of cross-border trade e-commerce , and optimize the internet finance policy environment are put forward in this paper.

国家自然科学基金项目（面上项目，重点项目，重大项目）