2008年美国次级贷款危机爆发,并由此引发了全球性金融危机,使世界经济发展受到了严重的影响。在危机环境下,我国很多企业发展速度减缓,有的甚至破产倒闭,而传统的融资模式不利于企业摆脱困境。因此,有必要对其加以创新,以便为企业提供健康稳定的融资环境。 In 2008, the U.S. subprime crisis broke out, which triggered the global financial crisis and seriously affected the world economic development. In a crisis environment, many enterprises in our country slowed down their development and some even went bankrupt. The traditional financing model is not good for enterprises to get out of their predicament. Therefore, it is necessary to innovate in order to provide enterprises with a healthy and stable financing environment.