Microcredit Financing Innovation Research

Since 2008, Zhejiang Province, the rapid development of small loan companies, to a large extent eased the financing difficulties of small and micro enterprises in Zhejiang province. However, due to domestic regulatory policies, the macroeconomic environment, as well as micro-credit and other reasons the company’s own market position, it faces a shortage of capital, financing difficulties in financing and other issues, the study of the history of the development of small loan companies, survival situation, financing difficulties Causes and to discuss innovative financing microfinance companies, has important significance.This paper introduces the present situation of small loan companies and Zhejiang microcredit company’s development process, and to analyze the formation of Zhejiang microcredit financing difficulties. Based on that, from policy innovation, channel innovation debt, stock channel innovation, Internet banking and financing innovation aspects analyzed in this assay. After checking the Jin Ali microcredit in asset securitization empirical case study for credit asset securitization financing provide a reference. Finally, micro-credit financing for innovative analysis of a brief summary, and highlighted a number of policy recommendations.