解决陕西省中小企业转型升级过程中的资金需求问题对该类企业成功实现转型升级，增强其竞争力保持可持续发展具有重要的现实意义。本文在界定中小企业转型升级内涵、搭建互联网金融与企业转型升级桥梁的基础上，结合陕西省中小企业转型升级之实践，以解决中小企业转型升级过程中的资金需求为目的，重点分析了管理转型、商业模式转型、行业转型和企业升级等四种陕西省中小企业常用的转型升级战略的动因以及其资金需求特征，论述了P2P网贷、众筹和电商金融等互联网金融工具在解决中小企业转型升级资金需求中的优势，并分析了陕西省中小企业转型升级过程中应用互联网金融解决融资问题的现状。 研究结论表明，互联网金融与中小企业转型升级融资有着高度的匹配，互联网金融的融资优势可以弥补传统融资渠道中的不足，为中小企业转型升级提供资金支持，但是，陕西省中小企业相比于东部地区和西部地区的四川省，并没有充分发挥互联网金融在中小企业转型升级融资中的作用。因此，为促进陕西省中小企业转型升级，本文从中小企业、互联网金融企业以及政府三方行为主体角度提出政策建议。中小企业要转变对互联网金融的认识，积极运用互联网金融解决转型升级资金需求；互联网金融企业要积极支持中小企业转型升级融资，并积极推动互联网金融企业上市；政府要完善互联网金融制度，还需要加强与互联网金融企业的合作。

It is of great practical significance to solve the problem of capital demand in the process of transformation and upgrading of small and medium sized enterprises in Shaanxi province. It is successful in upgrading and enhancing its competitiveness to maintain sustainable development. On the basis of defining the connotation of transformation and upgrading of small and medium sized enterprises, building the bridge of Internet finance and enterprise transformation and upgrading, combining with the practice of transformation and upgrading of small and medium sized enterprises in Shaanxi Province, aiming at solving the capital demand of SME transformation and upgrading process, this study mainly analyzes the drive and its capital demand characteristics of management transformation, business model transformation, industry transformation and enterprise upgrading, as the transformation and upgrading strategy commonly used by small and medium enterprises in Shaanxi Province, discusses the advantages of Internet financial instruments such as P2P lending, crowdfunding and e-commerce finance and so on in solving the capital demand of transformation and upgrading of small and medium sized enterprises, and analyzes the present situation of the application of Internet finance settlement financing in the process of transformation and upgrading of small and medium sized enterprises in Shaanxi Province. The conclusion of the study shows that the Internet finance and the transformation and upgrading of SMEs financing has a high degree of matching, the Internet finance advantages of financing can make up for the traditional financing channels disadvantages, provide financial support for transformation and upgrading of small and medium sized enterprises, However, small and medium enterprises in Shaanxi Province compared to the eastern region and the western region of Sichuan Province, is not giving full play to the role of Internet finance in the transformation and upgrading of small and medium sized enterprises. Therefore, to promote the transformation and upgrading of small and medium sized enterprises in Shaanxi, this study puts forward policy recommendations from small and medium sized enterprises, Internet finance enterprises and government tripartite behavior point of view. Small and medium sized enterprises should change the awareness of Internet finance, actively use the Internet finance to solve the capital demand of transformation and upgrading; Internet financial enterprises also actively support the financing of small and medium sized enterprises transformation and upgrading, and initially promote the Internet finance enterprises listing; the government should improve the system of the Internet finance, also need to strengthen cooperation with Internet finance enterprises.