The Analysis Of Small Micro Enterprise Financing Based On The Network Credit

The State Council issued a "support the healthy development of small and micro enterprises opinions" in November 20, 2014. It supports the healthy development of small and micro enterprises in terms of financial support, financing environment, service system and so no. So the small and micro enterprises have been highly countries attention, but many small and micro businesses in the short term problem of financing is still hard to get the fundamental solution. With the rapid development of Internet and the maturing of information technology, more and more small micro enterprises focus on the e-commerce market, and take buying and selling activities in the electronic commerce platform. The electric business platform has the online business data of the small micro enterprise and relatively perfect credit evaluation system. The small and micro enterprises began to adopt network financing. In this paper, We analyze the small micro enterprise financing based on network credit, hoping it can help the difficulties in the small micro enterprise financing.In this paper, the standard research methods literature study on the theory of financing small and micro enterprises, financing difficulties causes and countermeasures Review. empirical analysis of the case study method, using Ali small loan financing small and micro enterprises in interviews understand this network of credit financing specific applications; using statistical analysis methods descriptive statistics to illustrate many of the problems of small and micro enterprises to adopt a network of credit financing.The paper is divided into five chapters. In the first chapter, the author introduces the background and meaning of this discourse and defines the related concepts. This author reviews the theory of the small micro enterprise financing at home and abroad, the reason of financing difficulties and countermeasures of present situation, and points out Research methods and data / information sources. In the second chapter, the author analyses the main financing channel, such as bank loans, private loans, credit card loans, government funding support and network finance. In addition, the author analyses the reasons of financing difficulty, and leads to the third chapter. The third chapter is the analysis of small and micro enterprises to adopt Ali small loan financing, analysis of the development process Ali small loan, business processes and risk management, and enterprise adoption status quo Ali small loan financing, financing conditions and financing methods for small and micro enterprises Ali small loan financing and traditional financing compare, analyze the advantages of small and micro enterprises Ali small loan financing. The fourth chapter is to analyze credit financing small and micro enterprise network specific applications to Ali A small business loan financing for case analysis. A business is registered on Taobao(Lynx) platform small and micro enterprises, and their in-depth interviews to understand the specific application of such enterprises using the Internet credit financing. Chapter V presents policy recommendations. Finally, this paper summarizes, including conclusions and innovation to achieve.Through this study, concluded that a network of small and micro enterprises credit financing, small and micro businesses can broaden the financing channels, the electronic business platform assessment of corporate reputation and the integrity of the network of credit evaluation system included in the small and micro enterprises, can induce small micro enterprises to strengthen internal management, standardize the daily business operations, improve their credit network, so that the financing of enterprises sustainable. At the same time a network of small and micro enterprises credit financing, financing process is simple, fast and convenient low threshold, and the characteristics of the financing needs of small and micro enterprises in the match. In addition, the calculation of net credit business data through e-commerce platform, but also can reduce the problem of asymmetric information, record the daily operation of small and micro enterprises are left on the network to improve the transparency of information on small and micro enterprises.