How To Solve Difficulties In Financing Of Small Enterprises In Internet Financing Era

In the last 40years of our national development, small enterprises play an important role in terms of marketing economic reform, raising financial tax, securing people’s livelihood, improving the level of national consumption, dealing with unemployment and keeping social peace and harmony. On the other hand, small-scale enterprises are also confronted with deep-rooted discrimination of macro financial systems and difficulties in financing. small enterprises are subject to the underdog in the face of such challenges, which is related to the survival of small enterprises and whether the nation can realize modernization. Small enterprises will keep a sustainable development unless the financial difficulties for them can be solved so as to make contributions to national development.Under such circumstances, the paper analyzes the state, the features and difficulties in financing of small-enterprises, managing to apply the way the internet solves. After from that, it also introduces how Alipay finances and explores what its operating system is and explains how it makes it possible to solve financing difficulties for its allies on the platform Tianmao and Taobao. What’s more, the paper also illustrates the innovations of Ali financing means and predicts the prospects of its development so as to provide some experience for the following start-ups, in the hope of finding theoretical solutions to difficulties in financing for small enterprises at present and offering some practical experience.Based on review and case study, this paper conducts a synthetical categorizing study of methods that have been applied into difficulties of small enterprises in financing. The first advice is to realize the possibility of variety in their ways of financing, which means a lot to small enterprises, because the passive position of financing method of small enterprises at present have restricted their gaining of financial support in a large scale. The paper not only covers many traditional financial means and comments, but manages to learn from the way the internet gains its financing in order to solve their bottleneck in financing. Then it comes to the reform of financial benefits compared with traditional loaning on pledge of certain personal property or credit guarantees in big financial institutions, the new financing will be replaced with complete loans with no conditions. Thirdly, it’s the government, the society and enterprises that should take active participation in creating various financing means. This paper analyzes the success of Alibaba internet financing mode to prove the possibility of theories applied in practice and offer some experience for other small-enterprises in financing.