小微企业作为我国经济市场的主力军,其发展存在着许多亟待解决的问题。随着互联网金融的崛起,在我国大数据背景下,传统银行受到强烈的冲击,新的金融模式正在改变着我国小微企业信贷方式与环境。本文主要论述在大数据背景下小微企业的融资机遇问题,以阿里小贷为事例解析大数据的成功应用并分析其特点,最后对如何解决小微企业融资难的问题提出自己的看法。 As the main force of China’s economic market, small and micro enterprises have many problems to be solved in their development. With the rise of Internet finance, under the background of big data in our country, the traditional banks have been strongly challenged. The new financial model is changing the way and environment for the credit of small and micro enterprises in our country. This article mainly discusses the financing opportunity of small and micro enterprises under the background of big data, and analyzes the successful application of big data with the example of Ali Micro-credit and analyzes its characteristics. Finally, it puts forward my own views on how to solve the financing problem of small and micro enterprises.