Research On Effectiveness Of P2P For Solving The Financing Dilemma Of Small And Tiny-sized Enterprises

In recent years, China’s rapid development of small and tiny-sized enterprises, in the GDP growth, solve the employment problem, the maintenance of social stability has played an important role in the. However, due to its overall size is small, high management risk, the ability to resist market risk weak, which lead to the traditional financial institutions cannot obtain the favor in the financing market, being forced to turn to the usury market grey zone, the financing problem has seriously restricted the sustainable development of small and medium-sized enterprises of our country.Along with the development of network technology, the advanced technology of large data, cloud computing has to enter the financial field, and gradually change the traditional financial pattern. As a new financing way, P2 P net credit in the rapid development at home and abroad in recent years. To facilitate the efficient ways of lending and borrowing, relatively low transaction costs and high coverage rate, provides a new channel of financing for small and medium-sized enterprises, financing problem of small and medium-sized enterprises and is expected to break over the years. But the P2 P net loan financing pattern in the development process and the actual operation also showed high transaction costs, credit rating system is not perfect, imperfect laws and regulations, regulatory blind area and so on the actual problem. In order to solve these problems, and promote the healthy development of small and medium-sized enterprises Chinese P2 P net loan financing mode, in this paper put forward the corresponding countermeasures and suggestions, including the credit rating system for a comprehensive specification of our country, the further development of P2 P net credit platform regulatory standards, small and medium enterprises credit system construction.