Research On The Mechanism Of Network Financing 's Relieving The Financing Difficulties Of Small Internet Enterprises

The main problem faced by small and micro enterprises Internet in the development process is the problem of financing, and the nature of the financial problem of asymmetric information between the Internet small and micro enterprises and financial institutions. Internet between small businesses and financial institutions and information asymmetry of information asymmetry can be divided into pre-and post asymmetric information categories, respectively, in the credit markets will lead to adverse selection hidden information beforehand and afterwards to hide information or actions moral hazard, these two acts have a profound impact on the difficulty and cost of Internet financing small and micro enterprises.Internet-related small businesses to voluntarily share information in the communication process, and information sharing mechanism Internet platform, making the Internet of small and micro businesses "soft information" to "hard information." Based on the theory of information economics profound described above, the network model of how to solve the problem of financing small and micro enterprises in the Internet financing process of asymmetric information, so as to solve the internet problem of small micro-enterprise financing difficulty.This paper analyzes the financing difficulties of small micro-enterprise Internet and their causes. It analyzes the characteristics and financing difficulties of financing small and micro enterprises in China’s Internet. Then from the Internet of small and micro enterprises and financial institutions were analyzed angle causes of financing difficulties. Then based on information economics theory to analyze the influence of the Internet network financing difficulties of small micro-enterprise financing. This paper discusses the net credit financing model for the impact of adverse selection(due to prior information asymmetry caused) problems, and network financing model for the moral credit risks(due to the ex post information asymmetry caused) problems affected. So that in the framework of information economics to explain the impact of network resources on the Internet to finance small and micro businesses, and for the potential risks currently occurring in our network of financing small and micro enterprises solve the financing process put forward relevant suggestions.