Research On The Innovation Of Financing Mode Of Small Micro - Enterprise In China Under The Background Of Internet Finance

Since the financial crisis, the real economy has been unable to effectively meet the demand for funds, especially Small and micro businesses, due to the bank loan rationing policy, information asymmetry, can not provide effective collateral and other reasons, it is often difficult to obtain bank loans, limited financing channels further exacerbated the production and business operation difficulty, make the enterprises into a vicious spiral emergence,the Internet financial products make up for the traditional channel Small and micro businesses financing difficulties to a certain extent,.This article begins with the Chinese Small and micro businesses financing theories and introduces the traditional corporate financing, debt financing and equity financing, small micro enterprise financing present situation, because of asymmetric information, financial constraints, financial service system is not perfect, small and micro enterprises own defects, leading to difficulties in financing. Unable to equity financing for the majority of small and micro enterprises, debt financing because of the lack of effective collateral, but also led to the high cost of financing.China’s Internet Financial blowout exhibitions in2011, with its information advantage, cost advantage, efficiency, inclusive makes up the shortage of small and micro enterprises in the traditional financing. Internet financial has the main form of the third party payment, P2P, crowdfunding, financial data, financial portals on the Internet, the Internet financial institutions, of which the third party payment for the transaction settlement provides a more convenient way, P2P, crowdfunding, financial data for corporate finance provides a new channel and more efficient the speed of the Internet, financial institutions tend to traditional financial institutions, to provide Internet services; Internet financial portal as an intermediary platform to provide Internet banking services.Based on the characteristics of Internet banking, this paper chooses P2P, financial data, crowdfunding as a research object of Internet financial enterprises to small micro financing. In the traditional mode of financing and financing mode of the Internet (P2P, all the chips) were compared, combined with their own situation, the difficulty of financing, capital cost, time cost of financing and the efficiency of capital use, the maximum point of analysis and comparison of Small and micro businesses financing mode selection.Information network technology and e-commerce network platform based on Internet technology,Small and micro businesses loans and financing mode. But the core of the Internet financial and traditional financial consistent, is still the supply and demand ratio of funds, to a certain extent, Internet banking can be seen as a financial derivative product, rather than the emerging industry and the concept of. Through the big data computing and network mode of operation, to simplify the process, increase the information evaluation means, effectively solve the problem of asymmetric information, the supply and demand of funds to achieve a more effective matching. But at the same time, we should also pay attention to the Internet financial risk control remains to be tested and improved, as a new concept, is still in the national policy regulation, supervision and vacuum.