Applied Research Of Network Financing In Small And Micro Enterprise Financing

Financing difficulty is always the main problem of the small micro enterprise development. Bank loan is the main channel of small micro enterprise financing source, but the small micro enterprise financial system is not sound, management is not transparent, cannot provide the financial statements of the qualified leads to information asymmetry between Banks and small micro enterprise and small micro enterprises lack of collateral, enterprise management risk is big, for the sake of both risks and benefits, Banks tend to service large state-owned enterprises, listed companies. Financing difficulties have become small micro enterprise survival and development of the most common and the most critical factors.However, with the rapid development of e-commerce and financial service innovation, can solve the problem of the network finance arises at the historic moment,and presents the trend of rapid development. Network finance is pure credit unsecured loans, through comprehensive credit evaluation system to alleviate the information asymmetry between the fact situation and loan process concise, capital can quickly reach the designated position, meet the financing needs of small enterprises. Network financing for our country in the process of developing the small micro enterprise financing difficult problem provides a new solution, effectively relieve the small micro enterprise fund shortage problem.Based on the small micro enterprise financing for the starting point, through the first and second literature review on the development of the emerging network financing status, introduces the development background, using comparative analysis,the analysis compared with the traditional financing advantage, put forward the network finance is a good way to solve the information asymmetry. Next to the small micro enterprise financing characteristics, financing channels, this paper analyzes the causes of financing difficulties, it is concluded that the core of the financing difficulties is asymmetric information. Then through the three main network financing model(P2P network financing, bank financing, small loan companies to use its own e-commerce platform to provide network financing mode), operational mechanism,the development situation of crisis analysis of concrete research and through the analysis of case analysis, ali small loans, to explore the network finance to solve the information asymmetry in the process of small micro enterprise financing, ease the small micro enterprise financing difficult problem on the function, effect and existing problems. Although network financing to ease the small micro enterprise financing difficult problem, but there are some problems in the development, such as industry regulatory gaps, imperfect credit system, various network platform credit evaluation standard is inconsistent in credit cannot be Shared and other problems hindered the development of network finance. The last three aspects in the government, the electric business platform, the enterprise proposes Suggestions and countermeasures to perfect the network finance, make its better conform to the law of economic development,better solve the problem of small micro enterprise financing difficulties.