中文摘要：

本文从传统信贷模型出发，基于互联网信息技术的改进构建了一个基于互联网金融的小微融资概念模型。研究发现：互联网金融改变融资可得性的原理，是利用金融大数据以及现代信息交互技术，降低了市场信息不对称度，并且提供了新型的风险控制模式。在此模型基础上，以电商金融模式为例，探讨了我国互联网金融现状，并提出引导电商金融有序发展的政策建议：适度开放电商平台自融资渠道；建立电商平台融资服务核心数据指标与技术标准；允许电商平台对其会员支付账户余额提供更加广泛的投资服务。

英文摘要：

This paper proposs a conceptual model of internet-based microfinance model with information and tion technology （ICT） derived from traditional SME finance model. The key principle of internet finance that improves credit availability is through financial big data and modern ICT, which result in reducing information asymmetric and improving risk control mechanism. Based on the model, taking E-business finance model as an example, the paper discussed present situation of internet finance in China, several suggestions on guiding development of E-business finance are brought forward, such as moder- ately permitting public finance of E-business platform ; develop key data index and technical standard for E-business financing service; providing broader investment service with E-business member＇s account balance.