中文摘要：

中小企业是推动我国经济发展的重要力量,而融资难严重制约了其发展,究其原因在于信贷市场上的信息不对称。基于大数据的互联网金融凭借其开放平台的信息优势与数据挖掘能力,能有效降低中小企业的融资成本并缓解信息不对称。通过分析互联网金融几种典型模式的信息优势及对中小企业信息不对称与成本降低的作用,进而针对我国互联网金融在服务中小企业过程中出现的安全性问题,提出要建立互联网金融行业信用评价体系、行业标准体系以及健全相关法律法规和监管体系。

英文摘要：

Small and medium- sized enterprises （SMEs） is an important force to promote the economic development in China. However, the difficult of financing seriously restricts its development. The root reason lies in the information asymmetry in the credit market. Based on the big data, internet finance can effectively reduce the financing costs of SMEs and relieve the information asymmetry, depending on its superiority of information on the opening platform and the ability to data mining. Combining cases, this paper analyzes the information superiority of several typical models of internet finance and its effect on the relief of the information asymmetry and the reduction of the financing costs of SMEs. Aiming at the security issues in the process of Chinese internet financial serving for SMEs, this paper proposes to establish the system of credit rating of internet finance and industry standard, and improve the relevant laws and regulations and regulatory system.