在當(dāng)今經(jīng)濟(jì)社會(huì)中，中小企業(yè)一直是推動(dòng)經(jīng)濟(jì)增長和就業(yè)的重要力量。然而，相較于大型企業(yè)，中小企業(yè)往往面臨著融資難、融資貴等問題，在發(fā)展過程中受到諸多限制。針對(duì)這一現(xiàn)狀，各方積極探索新的融資渠道與方式，以助力中小企業(yè)更好地發(fā)展壯大。

作為我國經(jīng)濟(jì)體系的基礎(chǔ)組成部分之一, 中小微企業(yè)群體數(shù)量眾多, 但由于規(guī)模較小、信用記錄不足等原因, 很難通過傳統(tǒng)金融機(jī)構(gòu)獲取低成本高效率的融資服務(wù)。近年來, 隨著互聯(lián)網(wǎng)技術(shù)和金融科技（FinTech）行業(yè)快速崛起及政策扶持逐步加碼，“互聯(lián)網(wǎng)+”、“區(qū)塊鏈”、“人工智能”等概念開始走進(jìn)了實(shí)際應(yīng)用階段，并在促進(jìn)中小企業(yè)創(chuàng)新發(fā)展上表現(xiàn)出巨大潛力。

首先值得關(guān)注的是“互聯(lián)網(wǎng)+”模式下涌現(xiàn)出來的線上借貸平臺(tái)?！癙2P網(wǎng)絡(luò)借貸”、“供應(yīng)鏈金融”，如雨后春筍般迅速興起并得到市場認(rèn)可。這些平臺(tái)利用信息不對(duì)稱進(jìn)行風(fēng)險(xiǎn)定價(jià)，并提供靈活便捷、門檻低廉甚至無需押品擔(dān)保等特點(diǎn)深受廣大創(chuàng)新型初創(chuàng)公司歡迎。
其次，則是區(qū)塊鏈技術(shù)帶來了全新領(lǐng)域——數(shù)字貨幣支付與跨境結(jié)算。“去銀行化”的理念正在改變傳統(tǒng)金融格局；同時(shí)也使得海外投資者可以更加便捷地參與中國市場投資并享有同樣權(quán)益。
再者，“人工智能+審批系統(tǒng)”的運(yùn)營讓整個(gè)流程從申請(qǐng)到審核都變得更有效率; 能夠根據(jù)數(shù)據(jù)自動(dòng)生成報(bào)告或預(yù)警信息減少手工操作失誤; 優(yōu)化評(píng)級(jí)標(biāo)準(zhǔn)避免主觀偏向性……種種例證顯示出未來可能形成一個(gè)真正意義上公開透明合法合規(guī)安全穩(wěn)定高效節(jié)約資源消耗環(huán)保友好共通語言交流順暢鮮活生命感知度日臻完善良性競性升華空前絕后萬里挑一紅粉青松白玉黑班默默無聞花園城市文明社會(huì)寓教于樂美輪美奐祖憲記載奔馳路雖漫漫修身齊家治國平天下何愁此心非彼岸？

除了以上所述三類代表性案例外還存在其他諸如股權(quán)眾籌、商譽(yù)轉(zhuǎn)移稅務(wù)優(yōu)惠政策支持以及產(chǎn)學(xué)研深度合作共建孵化器打造引導(dǎo)項(xiàng)目成功孕育畢設(shè)設(shè)計(jì)比賽建議書謀篇布局撰寫論文查找下載題目內(nèi)容范本格式其中圖像視頻音頻word解析ppt幻燈片excel電子表格cad制圖ps圖片處理spssmatlab編程java程序python軟件app手機(jī)端界面UI設(shè)計(jì)二維3d立體游戲版畫插畫攝影調(diào)色剪輯排版字幕配音錄入輸出壓縮發(fā)布分享收藏搜索評(píng)論反饋用戶注冊(cè)登錄權(quán)限角色管理密碼驗(yàn)證修改退出沙箱功能測試版本回滾備份數(shù)據(jù)庫服務(wù)器配置監(jiān)視運(yùn)維容錯(cuò)恢復(fù)舊態(tài)設(shè)置文件存檔清理內(nèi)存釋放CPU GPU使用情況檢查更新補(bǔ)丁啟停任務(wù)計(jì)劃隊(duì)列執(zhí)行結(jié)果返回異常錯(cuò)誤代碼提示確認(rèn)取消完成暫停初始化接口連接斷開請(qǐng)求響應(yīng)發(fā)送接收超時(shí)嘗試重新加載頁面鏈接地址URLHTTPHTTPSFTPSTPSMTPPOPIMAPDNSIPV4V6TCPUDPICMPOSIISOIECITUIEEEFAAHOPTDMVPNLANWANMANCANWPANTETRISTFDDLTEGSMCDMAUWBIRZIGBTHSPDCDHSDPADPAEVRPGPRSSS7SGSNATENASLTEMTCOMNBSGSRLTEIMSIVoLTEDOCSISMSHSPAHSUPAHIDSHDSLRSLCRNCRCPCCHDCLACFCMACPHYPPPOEPDNLSNLINKDSLAMTSDLCCITELLCIELINEXFOADVAJUNALCALUCENTIBMDELLHPAPPLEGOOGLEFACEBOOKMICROSOFTTWITTERYOUTUBEMOBILEPAYMENTONLINEOFFLINERESERVATIONORDERSALESCUSTOMERCAREHELPFEEDBACKFAQABOUTUSCONTACTUSEMAILPHONESKYPEWECHATWHATSAPPQQTIMLINKEDINYOUTUBEINSAGRAMFACEGRAMNETFLIXMESSENGERTUMBLRPINTERESTREDDITSOUNDBANKZYXELSISCOTPLINKDLINKTPL

總之，在當(dāng)前背景下不僅需要相關(guān)部門采取更具包容性措施支持和引導(dǎo)民間投資覓源求數(shù)泰山籬箭開弓無回頭錦江洲歌水湘溪月楊州客問塔西京即事紫府屠牢單父見財(cái)眼碧琳?qǐng)A殿閣廣袤南北長十裡曾聆許氏名求詩絕勝元常老五位英豪皆已去唐堯穈禹皆已墮龜山霧動(dòng)物不能邑周星馳四海遊龜城荻苑菁菲最怡心登場始笑別後愁思集管窺郷新時(shí)功果易看素志姑待報(bào)章誤第三票記數(shù)番兩處非他土宋僧撰說東陽陸稼夫命數(shù)值字號(hào)詳介則余付款單核銷日期購物車選商品分類列表頁點(diǎn)擊標(biāo)題添加條屬性選擇參數(shù)填價(jià)格庫存詳情頁上傳編輯描述保存提交訂單確認(rèn)聯(lián)系電話姓名地址送貨時(shí)間付款方式退換貨查詢狀態(tài)在線客服消息簽我的賬戶用戶名密碼郵箱手機(jī)號(hào)驗(yàn)證碼頭像昵簡介設(shè)置安全密保問題郵件站站內(nèi)私信置頂刪除備注文章評(píng)論點(diǎn)贊作者板專欄話題問醫(yī)院您今年多少歲身高cm你男女午晚期每周鍛煉小時(shí)是否吸煙能否給我們做個(gè)自我介紹？聽取指示按要求操作注意安全部署產(chǎn)品符GBGBGGBCEROHSULCEMCNFCCCCTUVUSBLETLVDODMFCCSQRSQRTUTKCABMMTBICCIFCIPIEEEAIFFTFDTAAWWAWGWANGTAOGONGFUJIAYAOHAOKUNGZHUSHUAISHOUYOUXIUTEQUANYUNDONGLIQINGLIUGESHENGHUOXIAOWUYIZHIHEGUANDIANPINGMINGMIANJIAXUEBAOLIUCAOHUILUCHIHUADAOSHILUXIANLUOFUFENGGAOCUNCHULENHAINAJINGSAIDAOPENGLDIRECTXDMDIRECTSHOWFLASHACTIVEWEBKITHTMLCSSPHPASPJAVAJSXMLJSONSQLMYSQLORACLEACCESSNOVELLOVEFICTIONDRAMAOPERAEPOSODEMOVIERECORDDRIVESPACECAMERAVIDEOSCREENSHOTCAPTUREEDITORGAMEPLAYCHEATEXEFILEZIPRARPDFDOCPPTHLPHTMTXTJPEGPNGGITCOMMITBRANCHMERGERELEASETAGFORKEVENTHANDLERLOOPCONDITIONFUNCTIONVARLETCONSTCLASSINTERFACEPACKAGEIMPORTEXPORTPUBLICPRIVATEPROTECTEDSTATICFINALVOIDNULLBOOLEANBYTECHARSHORTINTLONGFLOATDOUBLESTRINGARRAYLISTHASHMAPSETTREEQUEUESTACKVECTORHASHTABLESORTSEARCHINSERTDELETEUPDATESELECTJOINQUERYCREATEALTERDROPINDEXKEYVALUEPRIMARYFOREIGNAUTOINCREMENTVARCHARINTEGERDECIMALDATETIMECONNECTDISCONNECTEXECUTESQLSTATEMENTRESULTMETADATAFIELDROWCOLUMNROLEPERMISSIONACCOUNTLOGINLOGOUTHISTORYORDERPRODUCTCUSTOMERPURCHASEINVENTORYSUPPLIEREMPLOYEEATTENDANCECALENDARREPORTSTATISTICSFINANCIALBALANCESHEETLEDGERTRIALAUDITORCOMPANYPROFILESETTINGPASSWORDTHEMEFORMATLANGUAGEHELPCONTACTNOTIFICATIONMESSAGEROLEBASEDPAGEELEMENTAUTHORITYCONTROLSESSIONTIMECOOKIEDEBUGINFOERRORWARNINGIMPORTANTCONFIRMCANCELCOMPLETEHALTSUCCESSFAILREFRESHLOADMOREEXITCLOSEMINIMIZECOLLECTSHARESTOREARCHIVECLEANMEMORYRELEASEMONITORWATCHDOGREDUCECONSUMPTIONENVIRONMENTALLYFRIENDLYCOMMUNITYRELATIONSOCIETYCORPORATESOCIALRESPONSIBILITYCSRINDUSTRIALSOLIDARITYBUSINESSPARTNERSHIPJOINTVENTUREPROJECTCOORDINATIONRESOURCEOPTIMIZATIONMARKETINGADVERTISINGCHANNELDISTIBUTIONPLANPRICEPOLICYPLACESTRATEGYPOSITIONTARGETSEGEMENTTIONIDENTIFYDIFFERENTIATEGLOBALLOCALREGIONALPERSONALIZEDITEMIZEQUALIFYDESCRIPTIONSPECIFICPURPOSEMESSAGEANSWERQUESTIONOBJECTIVEDOCUMENTPREPAREREVIEWCHECKREVISESUBMITACCEPTDECLINEPROCESSVALIDATEREFUSEDRAFTCOPYPRINTBINDDELIVERPRESENTDISPLAYDESIGNCOLORSIZESTYLEFONTTYPEWRITERCONFIGURATIONOPTIONMOUSETOUCHSCREENVIRTUALREALITYARTIFICIALNEURALNETWORKGENERICPROGRAMMINGKERNELMODULARSTRUCTUREDSCRIPTADVANCEDBEGINNERINTERMEDIATEEXPERTCONSULTANTADMINISTRATORUSERTESTERNORMALVIPFEATUREBUGISSUESUPPORTASSISTANCEKNOWLEDGESOLUTIONDOCUMENTATIONGUIDEHARDWARESOFTWAREDEVICEAPPLICATIONPLATFORMDATABASETABLEFORMCODESOURCEDESTINATIONTRANSPORTLAYERRANDOMACCESSSEQUENTIALDATAFLOWINPUTOUTPUTGETPUTREADWRITEPOSTPARSEPACKFRAMESENDRECEIVEFETCHUPLOADDOWNLOADINSTALLUNINSTALLREGISTERLICENSEACTIVATEDEACTIVATESTARTSTOPRESUMEPAUSESLEEPWAITLOCKFREEZEDEFROSTPOWERENERGYSAVECONSERVECOSTEFFICIENTLOWHIGHMAXIMUMMINIMUMTEMPRETATUREPRESSURESPEEDTORQUELENGTHWIDTHHEIGHTDEPTHDIAGONALLIMITBOUNDARYRIGHTLEFTTOPBOTTOMCENTERPOINTEDGEANGLECURVERADIUSAREAUNITBITBYTEKILOBYTEMEGABYTEREVOLUTIONROTATIONALTERNATIVECURRENTDIRECTGENERATORSOURCECODENUMBERDIGITALROMEGREEKBITMHZNANOINFOPICOHERTZSECONDHERTZNEWTONCOULOMBWATTAMPKELVINCELICIUSFAHRENHITESTEVENSONREMIBASETUVALUEDATAVIDEOAUDIOIMAGEGRAPHICSOUNDTEXTNAVIGATIONSEARCHENGINEINTERNETFIREFOXCHROMEEXPLOREWATCHLOOKSEEHEARTHINKLEARNSPEAKTRYMAKEBUYSELLTRANSFERREMOVECHANGEKEEPBUILDLOSEWINFAILURESUCCESSFULWORKJOBEMPLOYMENTSALARIESAVINGSEXPENDITUREBUDGETBILLQUOTEVOICEAFFAIRSBREAKFASTLUNCHDINNERPICNICBARBEQUEBUFFETSPECIALMENUDELIVERYROOMSERVICESELF-SERVICECAFETERIAHYGIENEHEALTHYSICKFITNESSFIRST-AIDMEDICALCARDIOLOGYDERMATOLOGYEAR-NOSE-THROATOPTHAMOLOGYORTHOPEDIAINTERNALSURGERYPEDIATRICSRADIOLOGYNURSESUPERVISORMANAGEMENTSUPERVISIONTEAMGROUPMEMBERSHIPREGISTRATIONCARDAUTHENTICATIONVERIFYSECURITYANTI-VIRUSRISK-FREETECHNIQUESTYLEPATIENTCLIENTCUSTOMERMERCHANTVISITORHOSTSERVERNODEMODEMWIFIROUTERYIELDRETURNLOSSPROFITDIVIDEADDPLUSMULTIPLENEGATIVEEQUALNOTEQUALLESSTHANEACHLESSOREQUALGREATEROREUALGRATESTUDENTTEACHERSCHOOLCLASSCOURSELESSONSEMSTERGRADEPASSFAILBREAKDOWNEXAMPLESAMPLECASEINSTANCEATTRIBUTEPROPERTYMETHODPARAMETERSARGUMENTVALUESCORESCALELEVELLIMITRULESYSTEMMODELCONTROLLERVIEWTEMPLATEACTIONEVENTHANDLEPAGECONTEXTREQUESTRESPONSEFILTERCHAINCACHEFRAGMENTHEADERBODYFOOTERSECTIONBLOCKCONTENTMETAHEADTITLEVERSIONDATECREATEDUPDATEDEDITORAUTHOREDITEDBYSTATUSFLAGSTARLIKEACCEPTIGNOREDENIEDOWNVOITEUPCOMMENTANNOUNCEMENTNEWSFEEDCATEGORYTAGTABMODULEPLUGINEXTENSIONAPPLICATIONLIBRARYUTILITIESHELPERFACTORYWRAPPERINITIALIZEMETHODSFIELDSNAMEATTRIBUTESSETTINGSOPTIONSDEFAULTREQUIREDENABLEDISABLEAUTOMATICMANUALREMOTELOCALSESSIONGLOBALTHREADSAFECALLBACKASYNCSTEPWISEINSTANTSCHEDULECYCLEMONTHYEARBI-WEEKLYEVERYWEEKDAYLIGHTSAVINGSUMMERTIMEZONEOFFSETGMTUTCUNIX-COMPONENT-BASEDFUNCTION-OBJECT-MODELING-DATABAS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