Research On Financing Innovation Of Small-Medium Enterprises Based On Internet Finance

The development of small and medium enterprises can solve a large number of social employment.it is so important for small and medium enterprises,but now facing with more and more serious financing problems. Fortunately, with the rapid development of Internet banking, as well as small and extending service on medium enterprise financing, SME financing problems may find its way to solve. generally speaking, Internet banking has the strength of a wide range of channels, the financing rate and low financing threshold. Funding Circle and Ali-small loans can be done to small business credit Loan, which is adaptable on small financing cycle, high financing frequency, small financing scale and the lack of collateral security. So, we put forward a series of research questions. What is the mechanism of Internet banking to solve the financing problem of small and medium-sized enterprises. We want to make the development of Internet banking have theoretical basis, and find out what magic of network banking make SME financing convenient。We also point out the shortcomings of the Internet financing services, and puts forward the corresponding improvement suggestions. Through this study, we have analyzed the mechanism of how to eliminate credit rationing in small and medium enterprises and how to play the advantage of platform information. Through the case of Internet banking platform to the theoretical research and analysis, this paper proves that the small and medium-sized enterprises will Internet banking as a financing tool is feasible. Compared with the traditional channels, it can by itself in overcoming asymmetric information advantage to achieve profitability. Internet financial development has the characteristics of sustainability, have become the main tool for SME financing potential. But based on the current Internet banking just for the newborn period, there are still a lot of reality and theoretical characteristics of discrepancies, as the managers of small and medium-sized enterprises, but also need to track the characteristics of the development of Internet banking, only in which overcomes the main defects after only Can be used as a stable corporate finance tools.