The Research About The Development Mode Of Electricity Supplier Small Loans

Big Data and other high technology sustainable development in our country, China’s financial rise of the Internet, the Internet after financial amazing potential to develop and differentiate into P2P platform electricity supplier small loans, crowdfunding and other branches. With the popularity of the Internet in China, the gradual rise of the electricity supplier, electricity supplier companies have accumulated a large number of transactions, and by big data processing technologies, electricity supplier companies can effectively carry out the credit rating company’s own platform, and in based on this, the enterprise lending, provide financial support to promote the development of internet-owned enterprises, and consumers began to explore personal loans. On this basis, a new Internet financial model-small loans rise of the electricity supplier, electricity supplier in the small loans market, undoubtedly the most representative Ali small loans.In this paper, an example of Ali small loans to start small loans electricity supplier research, existing literature focus only on the electricity supplier for the financing of small and medium business, research paper not only electricity supplier corporate finance business, also studied electricity supplier for consumer loan business, a more comprehensive study. We can enrich and improve the electricity supplier on small loans thesis research system in theory, and to provide a reference for later researchers. In practice, this paper studies the development of the electricity supplier of small loans and mode of operation, small loans to explore the electricity supplier’s own advantages and risks, on this basis, can provide targeted advice to commercial enterprises and government departments, thereby promote better business enterprise correct development of ideas to improve the quality of the electricity supplier of small business loans, while promoting government departments to develop appropriate policies based on the actual situation, to strengthen the electricity supplier of small loans this emerging format of Internet financial guidance and supervision, and further promote a healthier development of the electricity supplier of small loans, improve our financial system.This paper describes the background, development, mode of operation and status of small electricity supplier loan; then introduce electricity provider of small loans and other small models such as bank loans small loans, the similarities and differences P2P net loan platform, it follows a small electricity supplier Credit their own advantages and risks faced; Finally, the previous results, we propose the promotion of the development of the electricity supplier of small loans a few suggestions. After studying the paper concludes: electric business model is a very small loans small loans advanced mode, which make full use of big data and cloud computing technology to effectively carry out credit rating, effectively solve the financing problem of SMEs, promote the growth of our consumer finance business, it is conducive to the development of our economy and society. Of course, the electricity supplier of small loans has its imperfection, such as electricity business small loan funding tight, not enough variety loans, loans to carry out the line and so inadequate. In conclusion of this new model of small loans electricity suppliers clearly positive, there are some disadvantages exist in small loans to encourage electricity suppliers must also continue to develop multi-faceted work together to solve their current problems.