Based On The Small Micro Enterprise Financing Platform Of The Internet Financial Research

In recent years, the development of China’s market economy on the road of transition,in the face of downward pressure on economic development, the country also introduced a series of policies to protect the development of small and micro enterprises. In the development process of small and micro enterprises, financing is a very important part of. In the past the Bank of small micro enterprise financing do not pay enough attention to the background, a large number of small loan companies have begun to emerge, and now the rise of the Internet banking, based on the data analysis system, Internet banking showing strong momentum of development. In this paper, the Internet based financial model for small and micro enterprise financing platform for research, in theory and practice have a certain value and significance.Small and micro enterprises financing difficulties caused by a number of reasons. In this paper, we use the method of literature analysis to analyze the factors which restrict the financing of small and micro enterprises. From the internal analysis, small and micro enterprises exist many congenital deficiency leads to and the information asymmetry between banks and other financial institutions, and the problem of information asymmetry and cause increase of the cost of the loan. At the same time, the risk of small and micro enterprises is also difficult to control. From the point of view of the external reasons,countries do not have specific service in small and micro enterprises, the lack of perfect enterprise or individual credit system, the banking industry is not specifically for small and micro enterprise credit assessment mechanism. Now Internet banking appear to solve small and micro enterprise information asymmetry brought a turning point, bring new vitality for the development of small and micro enterprises, this paper adopts case analysis method and comparative analysis method, choice of Internet banking two typical financing platform is analyzed, the study of small and micro enterprises is how to use Internet Banking to meet the opportunities.This article is based on the background of Internet banking, the Internet financial platform for small and micro enterprises to finance innovation and change. First of all, this paper first introduces the research background and significance, grasp the latest research on small and micro enterprises at home and abroad, and put forward the specific research ideas and methods. The second chapter briefly introduced small micro enterprise financing and the Internet financial theory, provide a solid theoretical foundation for the research of this paper.The third chapter, the main analysis of the current situation of small and micro enterprises financing, to explore the main factors leading to the financing difficulties of small and micro enterprises. Through the analysis of the traditional financing methods of small and micro enterprises, the challenge and innovation of traditional financing methods are put forward. In the fourth chapter, the author mainly selected ants small loan and pat P2 P lending as two typical cases of Internet banking and financing analysis. Through the operation mechanism of two kinds of financing platform, comparison of the advantages and risks, further elaborated the Internet Banking for small and micro enterprise financing innovation and challenges. Finally, from the optimization of organizational structure and risk control, put forward suggestions and countermeasures, I believe that China’s Internet based financial small and micro enterprises financing will be getting better and better.