Financing Application Of Innovative Financial Products In Commercial Banks To Light Assets Enterprises

In recent years a group of new medium-sized and small enterprises called asset-light enterprises, which rely on internet technology but lack the physical pawn, gradually develop as an important part of Chinese domestic economy. However, due to their own particularity, these enterprises face the bottleneck in development--financing. The cause of financing problems asset-light enterprises facing and the solutions have become a public discussion in the whole industry. Meanwhile, a era of internet finance arrives, bringing new technology such as cloud computing and big data etc.. It provides a new business mode for banking industry while laying a foundation for new financing business through innovative development of capital market.At present, with the opportunity of Chinese domestic capital market and the rapid application of big data, a lot of domestic commercial banks taking advantage of innovative internet technology and traditional finance business, build up new platforms for selling and promoting as well as consuming and financing. These are comprehensive finance-service platforms combining consuming, paying and financing.This thesis is taking the YD company’s innovative financing mode between capital market, securities companies and commercial banks as an example, with a SWOT analysis, to analyze the innovative financing mode for asset-light enterprises, and to discuss a strategy for their improvement and further development.First of all, the thesis introduces the background and importance of its study, analyzing the necessity of new financing mode for asset-light enterprises. It also summarizes the problems in real application of domestic and overseas creative financing, while discussing solutions and giving suggestions for the YD company according to its situation.Secondly, the thesis analyzes the feasibility for the YD company to access new financing plan through a discussion of its internal and external economic environment, financing cost, etc., with a strategy management tool and an objective vision.Thirdly, the thesis studies the YD company’s operating mode through its orientation, resource usage, finance service, promoting strategy, financing risks management, etc.. Based on its situation, the thesis puts forward the financing problems the asset-light enterprises are facing with.Last but not least, the thesis concludes the YD company’s real application on innovative financing and its effects, proving that compering with traditional mode, the innovative financing mode play a better role in reducing financing cost for enterprises and improving their competitiveness. It also summarizes the shortage of this new mode, on the basis of which it provides improvement suggestions for asset-light enterprises in further financing plan..