Product And Client Mode Innovation Of Small Loan Company In The Light Of Small And Medium-sized Enterprises

As the main body of the market economy, the enterprise is essential to economic development, as a part of enterprises, the strength of small and medium enterprises can not be ignored. Money is the blood for the development of an enterprise, Nowadays, the private lending is not standardized and the usury is crazy. Large financial are reluctant to provide financial support for the small and medium-sized enterprises who cannot achieve its loan access conditions because of the mortgage of real property in these institutions is too small. This lead to the small and medium-sized enterprise financing is now facing serious capital bottleneck-a shortage of funds and financing difficulties, which has become a major obstacle to the rapid development of small and medium-sized enterprises. In recent years, countries started to support the innovation of financial institutions, then the emergence of small loan companies provide great help for small and medium-sized enterprises. However, because of the traditional credit products and credit model constraints, leading to the development of small loan companies is not smooth, so the product innovation of small loan companies is an urgent problem that is needed to study.Firstly, in this paper, the background of the establishment of small loan companies, status of financing small and medium enterprises are analyzed, expounded the selected topic background and the significance, and then reviewed the origin of small loans, small loans to determine the definition, analyzes the characteristics of small loan companies, and for domestic and foreign small and medium-sized enterprises financing theory a summary of the essence, and the theory has combed; Secondly, through the analysis of the current management situation of small loan companies and circulation of small and medium-sized enterprise financing present situation, raises the research direction of this article, after introducing the ISM model for small and medium-sized enterprises solvency factors are analyzed, get the influence of various factors on the order of small and medium circulation enterprises solvency, again analysis the capital structure of small and medium-sized enterprises and liquidity, proved that small and medium circulation enterprises debt-paying ability strong, high quality customer credit level, for short-term loans, and provide a theoretical basis for the petty loan company product innovation; Thirdly, the product innovation based on the full analysis of small and medium-sized enterprises of real estate resources, after and the customer model innovation. Finally, the paper summarizes and deficiency of this study, and to determine the direction of further research.