Research On The Financing Problems Of Private Small And Medium Sized Enterprises In The Internet Financial Times

Private small and medium-sized enterprises constitute the vast majority of the total number of enterprises in our country, and they play an indispensable role in promoting social and economic development and solving social employment. But private SMEs have been regarded as low credibility due to low mortgage, non-standardized business management and untransparent financial information. The difficulty and high expense to raise funds has been a worldwide problem during the development of private SMEs.The development of Internet technology exerts profound changes on the modes of production and lifestyles in all kinds of social groups; the combination of Internet technology and finance, teaming up with big data, cloud computing and other technical means make the entire financial industry face a revolutionary transformation. Private small and medium-sized enterprises have their advantages to raise funds thanks to their size, quantity and flexible decision-making, but the disadvantages are their old management concept, lack of credibility and risk control ability. In the wave of Internet banking and financing opportunities, there are opportunities for them due to national strategy, policy support and reform of traditional financial institutions, in the mean time;they also face challenges such as limited information processing capacity, law,credibility and inadequate social understanding. The thesis dwells on issues such as improvement of their internal environment, rational use of Internet financing, and it puts forward proposals and strategies to solve or alleviate their financing difficulties.This thesis consists of six parts. The first part is the introduction, introduces the research background and significance, literature review, research ideas etc.. The second part defines the concept of small and medium-sized private enterprises, Internet banking,financing related theory and the analysis of the use of paper. The third part mainly introduces the Private small and medium-sized enterprises to traditional financing and Internet banking is the main mode of operation, reuse authority of the survey data,combined with the author in Yongchuan District of the Private small and medium-sized enterprises financing situation analysis, put forward the problems and the reasons for the financing of the Private small and medium-sized enterprises in the presence of. Thefourth part is the Private small and medium-sized enterprises using the Internet financial analysis of SWOT financing. The main advantages and disadvantages of enterprise financing process has its own analysis, and the opportunities and threats of external environment. The fifth part mainly from the perspective of their own to put forward to solve or alleviate the financing strategies of the Private small and medium-sized enterprises; the sixth part is the conclusion, on the basis of literature study and empirical analysis of the results of this study were summarized.