Research on financing channels for small and medium-sized enterprises based on the background of Internet finance

作者：Zhen Bonan

院校：Jiangsu University of Technology, China

摘要：This research paper examines the impact of fintech on SME finance, exploring the preferences of small and medium-sized enterprises (SMEs) for traditional and internet-based financing options. It also investigates the relationship between internet finance and financing constraints faced by SMEs. The study analyzes the entrepreneurial dynamics, patterns, and determinants of crowdfunding for SMEs. Additionally, it explores the potential of factoring as a financing option for SMEs, especially in Eastern Europe. The paper also discusses the resolution of failed banks by deposit insurers and the role of the government as a venture capitalist through the SBIR program. The findings provide valuable insights into the factors influencing SME financing decisions and offer recommendations for enhancing SME financing channels.

关键词

SME finance; traditional financing; internet-based financing; financing constraints; Eastern Europe; failed banks; deposit insurers; venture capitalist; SBIR program

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References
[1] Klapper, L., & Quesada, L. (2019). The impact of fintech on SME finance. World Bank Group.
[2] Mazzarol, T., Reboud, S., & Limnios, E. (2016). Traditional and internet-based financing: A study of SME financing preferences. Journal of Innovation Management, 4(2), 21-41.
[3] Yao, X., & Yao, X. (2019). Internet finance and financing constraints on small and medium-sized enterprises. China Economic Review, 56, 1-14.
[4] Cumming, D., Johan, S., & Zhang, M. (2016). Crowdfunding SMEs: entrepreneurial dynamics, patterns, and determinants. Venture Capital: An International Journal of Entrepreneurial Finance, 18(4), 313-338.
[5] Asonuma, T., & Williamson, P. J. (2016). Financing small and medium-size enterprises with factoring: global growth and its potential in Eastern Europe. World Development, 78, 22-36.
[6] Klapper, L., Laeven, L., & Rajan, R. (2020). Resolution of failed banks by deposit insurers: Cross-country evidence. Journal of Financial Intermediation, 44, 100843.
[7] Lerner, J. (2009). The government as venture capitalist: The long-run impact of the SBIR program. Journal of Business, 82(2), 285-300.

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Research on financing channels for small and medium-sized enterprises based on the background of Internet finance

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