利用互联网创新金融已成为当前服务小微企业的一个重要方式

央行《执行报告》显示，互联网金融“交易成本的大幅下降和风险分散提高了金融服务覆盖面，尤其是使小微企业、个体创业者和居民等群体受益”。《执行报告》称，截至2013年6月末，阿里小贷投入贷款总额已超过1000亿元，客户超过32万户。而以陆金所、拍拍贷为代表的众筹网站，小微企业的融资门槛就更低。

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可以看出，规模越小的金融机构对小微企业的帮助越大。对于中国经济来说，银行就像主动脉，互联网金融就好比毛细血管。业内人士认为，中国金融体系其实不缺钱，但是钱没有放在需要的地方，“毛细血管”不够丰富是原因之一。所以，发展以互联网金融为代表的普惠金融，对于培育小微企业具有重要意义。