The Research On SME Financing Issues In The View Of Internet Financing Mode

SMEs are the country’s economic growth in the most productive part, is animportant force to contribute to the national economy. However, due to the weaknessof SMEs in their development, the drawbacks of the existing financial institutionsand other limited financing and other reasons, most SMEs only by virtue of theendogenous production even with the aid of funds for the expansion of civilemergency situations with high borrowing costs that financing, SME financing issuehas been a bottleneck in its development and growth. With the comprehensivepromotion and popularization of Internet technology, Internet technology andfinance is largely a combination of innovative thinking can alleviate the chronicproblem of SME financing. P2P, public electricity suppliers to raise financing andfinancing mode and other emerging platforms by virtue of information moresymmetrical, efficient and convenient fundraising lending and low financing costsbecome a financial chain solve channels for SMEs.This paper describes the financing difficulties of SMEs and cause analysis onthe basis of the current delve into the advantages of the Internet environmentfinancing model, elaborated Internet financing profile, financing and otheradvantages of the Internet, followed by analysis of the key elements of the financingmechanism of the Internet, combined with the current under China’s Internetfinancial background prevalent three Internet financing models for analysis, namelyP2P mode, the congregation raised patterns and electricity supplier financial model.Then put the corresponding advice under the foregoing analysis to improve financingefficiency financing platform model in the Internet for SMEs. Study concluded thearguments and results of the foregoing, and future research.