电子商务与人们日常生活与工作关系密切,为人们提供了便捷的购物渠道,极大地改善了人们的购物体验。但随着电商行业发展,电商企业竞争越来越激烈,电商企业融资需求越来越多。选择合适的融资模式对企业的财务状况、资本结构和长期发展至关重要。介绍了股权融资、债务融资、众筹融资和P2P借贷等常见融资方法,分析了其对电商企业财务状况的具体影响,结合企业不同财务状况提出了融资模式选择建议,希望对电商企业财务稳定起到促进作用。E-commerce is closely related to people’s daily life and work, providing convenient shopping channels and greatly improving their shopping experience. But with the development of the e-commerce industry, competition among e-commerce companies is becoming increasingly fierce, and the financing needs of e-commerce companies are increasing. Choosing the appropriate financing model is crucial for a company’s financial condition, capital structure, and long-term development. This article introduces common financing methods such as equity financing, debt financing, crowdfunding financing, and P2P lending, analyzes their specific impact on the financial situation of e-commerce enterprises, and proposes financing mode selection suggestions based on different financial situations of enterprises, hoping to promote financial stability of e-commerce enterprises.