The Research On Small Micro Enterprise Financing Problems Under The Environment Of Internet Finance

Small micro enterprise is an important factor in the development of the national economy, which not only promoted the economic and employment growth, but also played an important role in the process of urbanization and promoted the development of the society more harmonious and stable. At present, small micro enterprise is beset by many problems and obstacles. Financing difficult problem has become the main cause of influencing its development. In recent years, countries stepped up to the small micro enterprise financing loans support, but it still can’t satisfy the tens of thousands of small micro enterprise loan demand. No doubt it has dragged down the small micro enterprise to grow faster. Along with the socialist market economic system setting up and improving constantly, small micro enterprises has been developing rapidly. However, the financing question still exists to restrict its development.In recent years, with the rapid development of Internet, especially the application of mobile internet, making the traditional finance had a new life and gave birth to a variety of internet financial products, which generated a new research direction for the small micro enterprise financing issue. This paper is altogether six chapters. The first chapter is an introduction, which elaborates the research background and significance, relevant literature review at home and abroad, research ideas and innovations. The second chapter is an overview of internet finance, which introduces the concept, characteristics and patterns of the internet finance, and briefly discusses the internet finance related history, present situation and the future. The third chapter is a summary of micro enterprises and their financing, which introduces the definition of small micro enterprise, status and role, leading to the definition of small micro enterprise financing and manner. Under the traditional finance and internet finance, it analyzes the small micro enterprise financing present situation. Then it deeply discusses the internal causes and external causes of small micro enterprise financing difficulties. The fourth chapter is about the internet finance impact on small micro enterprise financing, which briefly describes the macro and micro influence. The fifth chapter is the countermeasure to solve the problem of small micro enterprise financing difficulties under the internet financial environment, respectively from the enterprise, government and bank three aspects to deeply analyzing how to solve the problem of small micro enterprise financing difficulties under the internet financial environment. The sixth chapter is conclusion and prospect, through the above discussion about the relationship between internet finance and small micro enterprise financing, which puts forward new concept and idea about the small micro enterprise taking advantage of the internet financial financing. Establishing and perfecting the relevant laws and regulations guarantee healthy and orderly development for the internet finance, so it can effectively relieve the small micro enterprise financing difficult problem.