The Research Of The Patterns Of Small Micro Enterprise Credit Under The Background Of Internet Finance

With the era of big data and the rise of Internet finance, is there a way to solve small and micro businesses’ financing problem, which can’t be settled by traditional financial industry? What’s the theoretical basis and practice model under it? Aiming at this problem, this paper builds a "three sector credit system model". By analyzing it,we can draw conclusion that traditional credit model can neither eliminate the adverse selection and moral hazard nor solve small and micro businesses’ financing paradox; However, "credit capital" and "credit guaranty", which are created by Internet finance and big data, could resolve the financing paradox, eliminate the adverse selection and moral hazard in credit market, thus achieving a "virtuous circle", which is a win-win situation. In order to guarantee the effective application of the Internet financial model, this paper further analyzes the risk control problems, points out that a credit insurance model "intensive insurance + group underwriting" could be adopted. Finally, combining with the enlightenment of Shanghai public information platform and Da Gong Internet finance’s information platform, this paper proposes to build a "credit credit information platform" concept. The full text not only provides theoretical basis for credit application of Internet finance, but also has strong realistic and practical significance.