Study On The Financing Mode Of The Small And Micro Enterprises Based On Internet Finance

Under the Government to actively promote and facilitate background, coupled with thedomestic interest rate market approximation, the financing of small and micro enterprises arecausing more and more attention and improve all aspects of a growing number of banks andother financial institutions choose to financing services to enhance the small and microenterprises as an important part of the strategic transformation. Large numbers of small loancompanies, but also broaden the financing channels for small and micro enterprises."Bigdata " for the typical Internet banking is using its "big data " advantage to create a newservice model of financing small and micro enterprises.Small and micro enterprises financing difficulties for many reasons, but also towithstand the repeated analysis of many domestic scholars. Financing of small and microenterprises themselves can be seen as a demand characteristics of the underlying causesleading to its financing difficulties, the national service system is imperfect small and microenterprises, financial institutions do not have a credit assessment mechanism supporting ourcountry there is no perfect system as outside corporate credit in reasons; reason can besummarized in three points: First, small and micro enterprises as serious between borrowerand lender information asymmetry problem, the second is the higher cost of credit lendingfurther information asymmetry caused by the two sides, the third is for the purposes of theloan lenders credit risk is more difficult for small and micro enterprises controlled. So, tosolve the financing difficulties of small and micro enterprises thinking is very clear. First,information asymmetry and solve their problem lenders, the second is to reduce the cost ofcredit. These two ideas are theoretically feasible, but the actual operation did not imagine thatsimple. The emergence of Internet banking, so that to solve these problems a turning point,and its innovative practices in small and micro credit has shown great vitality and brightfuture prospects.This article is in the context of Internet finance, Internet finance major researchfinancing mode for financing small and micro enterprises to bring innovation and change.Firstly, at home and abroad on the basis of the study of financing small and micro enterpriseson the proposed research ideas and research framework. The second chapter is a brief introduction to the theory of small micro-enterprise financing and Internet finance, and ourstudy provides a solid theoretical foundation. The third chapter is mainly on the current statusof the financing of small and micro enterprises to analyze, identify the main factors leading todifficulties in financing small and micro enterprises. Through detailed analysis of severalsmall and micro enterprises are mainly traditional financing mode proposed financialrestructuring of the traditional challenges and innovative financing models. The fourthchapter is mainly selected Ali and Yi Xin P2P as a typical case of two specific researchfinancing mode, the mechanism by running two financing modes analysis, comparativeadvantage analysis and risk analysis, and further elaborate Internet finance for small micro-innovation and challenges of corporate finance. Finally, from the optimization of theorganizational structure, financial product innovation and risk control, give some suggestionsand measures to further improve the financing mode of the small and micro enterprises basedon internet finance.