Legal Risks And Regulation Of Internet Financing For Small Micro Enterprises In China

Small micro enterprise financing market has been given priority to with traditional financial institutions and private capital financing, with the advent of the era of "Internet+", forms the new financing pattern of financing Internet as a beneficial supplement. Small miniature enterprise in our country has been regarded as the vulnerable groups in the traditional financing mode. The problems of financing difficulties, financing difficulties, and financing problem has been widely criticized. With the development of the Internet, innovations of small miniature enterprise financing concept is imminent.The Internet financing model as the innovation of financing mode is widely open to all companies. The main purpose of this assignment is to discuss the significance of small micro enterprisers the pattern of financing they used is more rely on the Internet.The first part introduces present financing situations of the small micro enterprise in our country. Firstly, there is a need to clear its legal definition, and then expounds the Internet financing model. First of all, from the macro aspects of its connotation definition and nature characteristics, with the following four aspects to introduce the unique advantages of small miniature enterprise financing via the Internet: Height information sharing, avoid credit ratio, control the transaction cost, effectively solve the problem of the lack of the mortgaged property. Enterprise management system is not perfect yet. In addition, management has high risk. the required capital needs urgent, short cycle make the characteristics of small miniature enterprise financing more appropriate for using the Internet method.The second part illustrates small miniature enterprise legal risk financing from the Internet. From the perspective of P2P network credit, the raise pattern, the electric business platform financing combined with the Internet mode of traditional financial institutions will be analyzed individually, along with deeply mining of the potential legal problems that may occur.The third part is in terms of overseas financing model comparison research on the Internet. From the environment of financial development, the construction of credit system and characteristics of financial regulation these three perspectives will be introduced in different countries to learn their Internet financing experience to deal with natural disadvantages of the Internet in our country.The fourth part proposed law-making and strategy of our country small micro enterprise financing Internet. Innovating financing ideas, modifying and expanding the related law institutions to meet the needs of modern development. Meanwhile making the detailed rules for small micro enterprise financing, building an effective regulatory system, improving the credit system construction in China, which not only can promote the vigorous development of small miniature enterprise, but also can realize the rule of law society’s construction of socialism with Chinese characteristics.