Study On Small And Micro Enterprise Financing Problem Through The Internet

With the developing of China’s market economy and the deepening of economic system reform, as one of the most promising elements of the economic development, The GDP of Small and micro businesses in China’s national economy has accounted for more than half. They has already become the key link in our country society transformation of economic development mode. China’s huge volume of Small and micro businesses, and private enterprises accounted for the majority, very wide distribution of its industry, to meet the various needs of the people. But Small and micro businesses are faced with many problems, such as the small scale of production, the shortage of funds, lack of experience, atypical management. But the difficulty in financing has become the major limiting factors for the survival and development of the Small and micro businesses. In this big data and cloud computing era of combination, collision of Internet and finance provides a new channel and ideas to Small and micro businesses financing. At present, Small and micro businesses commonly used Internet financing mode mainly include "PaiPaiDai" as the representative of the P2P network finance model and "Demohour" as the representative of the network crowdfunding mode. Such breakthrough network financing mode may change radically the financial industry’s Running and brought very big challenge and competition for commercial banks. At the same time, the characteristics of Internet financing mode, in low financing costs, high financing speed, the small amount of financing, also provided financial support strength for Small and micro businesses’ development.In this paper, small micro enterprise financing difficult background, analysis using the related financing theory and Small and micro businesses financing reality unifies, the reasons of the financing difficulties of Small and micro businesses, including the Small and micro businesses themselves and the external environment in two aspects. With the advent of the Internet financing mode, the financing difficulties of Small and micro businesses has been alleviated to a certain extent. This paper describes the operation mechanism of P2P network mode of financing and crowdfunding mode, combined with the Small and micro businesses to its own characteristics, summarized the application of Internet financing advantages and risks. The MW media company application of Internet crowdfunding of Small and micro businesses case。Finally, thinking and sum up the financing problems for Small and micro businesses in application of the Internet, and the prospect of it. With a view to our country Small and micro businesses to provide the experience support and reference on the Internet finance.