"互联网金融助力小微企业融资难题研究"

The graduation thesis "Research on the Financing Difficulties of Small and Micro Enterprises from the Perspective of Internet Finance" focuses on the crucial role played by small and micro enterprises in enhancing economic vitality, increasing employment opportunities, and promoting innovation. Despite being an integral part of the national economy in China, these enterprises face numerous challenges, such as weak risk resistance and an imperfect credit system, which place them at a disadvantage within the enterprise system. Consequently, the difficulty in obtaining financing has remained a significant obstacle to their development and has become a hidden danger that hinders both the economic development and vitality of the country. In response to this pressing issue, the steady development of Internet finance in China has accelerated the growth of online financing. The combination of small-scale loans with the internet has helped to alleviate the financing difficulties faced by numerous small and micro enterprises. The successful operation of Alibaba's small loans service demonstrates that online lending is a new financing model that aligns with the trend of market economic development and is well-suited to the national conditions of China. In conclusion, the development of Internet finance has greatly facilitated the alleviation of financing difficulties for small and micro enterprises. This thesis serves to underscore the necessity and urgency of effectively addressing the challenges faced by these enterprises in obtaining financing, while also shedding light on the potential of Internet finance to provide a viable solution. With a comprehensive analysis and exploration of the key terms such as Internet finance, online financing, Alibaba's small loans, and small and micro enterprises, this thesis has made a significant contribution to the understanding of this important issue and could offer valuable insights for future research in this field.