摘要互联网金融P2P网贷平台因其直接透明、信用甄别、风险分散、成本低等优点，正在被越来越多的中小企业所接受，极大地提高了金融资源配置效率，伴随着互联网金融体系的不断成熟、不断完善，P2P网贷作为一种现代正规金融工具的补充。P2P网贷有三种模式，即纯平台模式和债权转让模式、纯线上模式和线上线下相结合模式、无担保模式和有担保模式。研究分析发现，卓菲特公司通过P2P融资存在着项目管理运营能力欠缺，P2P网贷实际融资成本高，信息泄露问题，企业信用核实时间过长拉高借款利率，面临资金存管风险。因此，卓菲特公司应提升卓菲特公司项目管理运营能力，甄别平台信息以及估算平台年龄，考察平台资金运作方式，调查平台的隐私保护制度，建立完善的征信体系，加强资金安全的监管。关键词：P2P网贷网贷融资中小企业AbstractInternetfinancialP2Pnetworkcreditplatformbecauseofitsdirecttransparent,creditdiscrimination,riskdiversification,andlowcost,isacceptedbymoreandmoresmallandmedium-sizedenterprises,greatlyimprovetheefficiencyofthefinancialresourcesallocation,alongwiththeInternetofthefinancialsystem,andconstantlyimprove,P2Pnetworkasatoolofmodernformalfinancialloan.TherearethreemodesofP2Ponlinelending,namelypureplatformmodeanddebttransfermode,pureonlinemodeandcombinationofonlineandofflinemode,unsecuredmodeandsecuredmode.Accordingtotheresearchandanalysis,zhuffitcompanyhasalackofprojectmanagementandoperationabilitythroughP2Pfinancing,highactualfinancingcostofP2Plending,informationleakage,longtimeforenterprisecreditverification,andhigherborrowingrate,andisfacedwithfunddepositandmanagementrisk.Therefore,zhuffitcompanyshouldimproveitsprojectmanagementandoperationability,identifyplatforminformationandestimatetheageoftheplatform,investigatethefundoperationmodeoftheplatform,investigatetheprivacyprotectionsystemoftheplatform,establishasoundcreditinvestigationsystemandstrengthenthesupervisionoffundsecurity.Keywords:P2PnetworkloanOnlineloanfinancingSmallandmedium-sizedenterprises(smes)目录TOC\o"1-2"\h\uHYPERLINK\l_Toc20886一、引言PAGEREF_Toc208861HYPERLINK\l_Toc1224二、P2P网贷概述PAGEREF_Toc12241HYPERLINK\l_Toc29395（一）P2P网贷的含义及特点PAGEREF_Toc293951HYPERLINK\l_Toc16637（二）P2P网贷的经营模式PAGEREF_Toc166372HYPERLINK\l_Toc16400三、P2P网贷视角下融资优势和局限性PAGEREF_Toc164002HYPERLINK\l_Toc11984（一）P2P网贷融资的优势PAGEREF_Toc119842HYPERLINK\l_Toc25749（二）P2P网贷融资的局限性PAGEREF_Toc257494HYPERLINK\l_Toc11109四、P2P网贷模式下中小企业融资现