Innovation Of Financial Model For Small Micro - Enterprise Internet

Micro-enterprise financing difficulty has always been a worldwide difficult problem.Along with the Internet technology mature, the appearance of mobile payment, cloud computing and the search engine,Great changes have taken place in the face of the financial sector.Because of its openness, democracy, tolerance,convenient, efficient and pertinence of various advantages, internet financial is generally believed that it will be solve micro-enterprise financing predicament of a new way.Compared with the traditional financial, internet financial based on the data of the Internet and the Internet network as the platform has been realized the extension and the expansion of traditional financial services. Internet financial has a great advantage to deal with the problem of micro-enterprise financing difficulties.For micro-enterprise as the capital of the demand side, By cost and process improvements,the Internet financial model greatly reduces the transaction cost,speed up the efficiency of borrowing and promote the rate of small micro enterprise financing obtained.By analyzing several common micro-enterprise financing mode,for example, p2 p,crowd-funding, big data micro finance and Internet financial portal.This text inductive the three kinds of small micro-enterprise financing mode under the back ground of Internet financial,namely the coinsurance financing mode, network credit pool mode and equity financing mode.The coinsurance financing mode is to solve the problem of micro-enterprise loan mortgage assets in the process,through the form of a joint venture formed between each other joint and several liability, micro-enterprise is able to obtain financing without collateral. Network credit pool model is a new financing model mainly to improve the entry of Internet financial platform and promote the healthy development of the Internet financial. Equity financing mode is a new type of financing mode mainly to enhance the capital strength of micro-enterprise, reduce therisk of bankruptcy and achieve economies of scale.These three models have its own characteristics, it is perfection and innovation to the existing micro-enterprise financing mode. New model, of course, is associated with certain risks and challenges. Therefore this paper analysis risk of the micro-enterprise financing model existing in the innovation process, in view of the risk occurring in the process of innovation, this paper put forward the relevant countermeasures and suggestions.