Research On Mses Internet Financing Mode

MSEs(micro and small enterprises), which have played an important role in the development of market economy and national economy, have contributed more than 50% of total tax revenues and output value equal to 60% of GDP. But on one hand, the need of MSEs is characterized by high frequency, urgency, small amount and short duration, which can’t match the model of banks financing; on the other hand, some MSEs run irregularly with incomplete financial data, and have information asymmetry with the bank, which all make MSEs obtain funds in a more difficult way and restrict their development. However, the emergence of internet financial mode has made this state greatly improved, because this new model has the feature of openness, equality, cooperation and sharing, which provides a new path to solve the problem of information asymmetry, thus showing the coupling with MSEs financing and arousing the vitality of finance. But the internet financial model has certain risks and limitations in the process of practical use. How to better use the Internet financial model to solve the MSEs financing problems is a key issue with urgent need to resolve.Based on this, this thesis uses several research methods, such as the literature research, case studies and normative research, to analyze the model of the MSEs finance through the internet with the example of Ali small loan financing model. This paper mainly include the following aspects content:the first chapter describes the background and significance of this topic, reviews the research results at home and abroad, and explains the research methods, main content and innovation. The second chapter is the theoretical foundation in which the definition of the MSEs, the internet finance and the MSEs finance are given. And the relevant theory of the MSEs finance is analyzed in this chapter together with the model of the internet finance. The third chapter makes a lot of research about the MSEs financing status and the source of the problem during the finance. The fourth chapter analyzes the operation mechanism of the MSEs financing through the internet finance, and proves the innate combination between the internet finance and MSEs finance. The fifth chapter introduces the financing process of the Beijing HuarenTiandi Film and Television Planning Co., Ltd. (HRTD for short) through the crowdfunding, and the mechanism and problem during the HRTD internet financing are studied in this chapter. The sixth chapter throw out the suggestion for the MSEs financing through the internet finance from the following aspects:the perfection of supervision mechanism, the credit system to deepen and the construction of the Internet financial development environment. The seventh chapter summarizes this article and forecasts the future research and shortcomings of this paper.The main conclusions of this thesis are:(1)MSEs financing problem can be effectively addressed through internet financial. And it is a effective way to handle the difficulties during the process of the MSEs finance.(2)HRTD’s successes on, in part, internet financing, and eases its financing difficulties, but that does not mean that it is perfect.(3)We should improve the regulatory mechanism, deepen credit system, found the environment for Internet finance growth environment to promote the healthy development of Internet finance and solve the problem of MSEs financing preferably to make a better use of the internet finance to help the MSEs.This thesis analyze the process and problem of the HRTD crowdfunding in the form of case study, it is quite new topic and study angle. The MSEs internet financing mechanism is comprehensively demonstrated, and some systematic and operational advices on helping the MSEs internet financing are offered, which is of great operational meaning to improve the level of MSEs internet financing. Meanwhile the related theories are summarized and supplemented in this thesis.