The Strategy Research Of Small And Medium-sized Enterprise P2B Network Financing In Our Country

In recent years, China’s SMEs have become an important force for economic and social development, but financing problems have hindered the development of SMEs. P2B(person-to-business) is a kind of emerging network financing model, it appears not only to broaden the financing channels for SMEs in China, to ease the financing difficulties of SMEs play a very good supporting role, but also can reduce the cost of raising funds for SMEs to the public, can break through the geographical restrictions of private lending. In China, P2 B mode is still in its early stage of development, but its vigorous vitality has gradually taken shape, more and more SMEs in the benefit at the same time, is also facing the problem of financing strategy of P2 B network platform of choice. Therefore, there is an important practical significance to study China’s SMEs’ P2 B network financing strategy.By introducing the overview of P2 B network financing, based on the current situation of China’s SMEs’ financing, financing difficulties causes and P2 B network financing SWOT analysis, aims to study the case data on the three aspects of the P2 B platform, financing costs, financing rate, financing risk, using the methods of qualitative analysis and quantitative empirical analysis, reaches main conclusions and suggestions of P2 B network financing strategy. Study on the problems in the financing strategy of speed,using the research methods of econometrics, to establish the multiple choice model(i.e.ordered choice model) of the full scale of time, analyses the main influence factors of the full scale of time and its effect, and offers the probability of different values with the full scale of time. In order to make better use of advantages and opportunities of P2 B network financing, try to avoid the disadvantages and threats, provides some reference value and guidance strategies for SMEs in the choice of the financing platform, for example, if the requirements of the enterprise in order to lower the cost of financing, should choose which platforms; if the enterprise requirements for financing at a faster pace, should choose which platforms and pay attention to what factors; if the enterprise requirements as far as possible with less risk of financing, how should as far as possible to avoid the risk of financing, etc.