The Research On Financing Of Small And Micro E-business Enterprises In The Internet Financial Background

With the advent of the "Internet +" era,E-commerce small businesses will be rapid development.In small micro-enterprises,E-commerce small businesses is a typical business format,it's different from traditional modes that all commercial activities operated on-line.Internet platform supports this type business process.E-commerce small businesses and ordinary smallµ enterprises,small scale,big business risk,the loan amount is not high,making them loans at traditional financial institutions is more difficult.At the same time,we find that a new mode of financing make a deep rapid progress in the internet financial background,just like Ali small loans,P2 P,etc.It also lashes the traditional financing and serves long tail market.This kind of financing is convenient and efficient on big-date platform.Between internet financing and E-commerce small business,we can conclude that most of all business date connects with each other on internet.We can collect and analysis the date of E-commerce small business on its' website,send the result to internet financial companies.Then the receiver use their own technology of risk controlling or on-line date analysis to decide to loan on this platform whether or not.Through this process,it solve Ecommerce small business requirement features,high-frequency,short processing cycle,lack of credit rating.However,due to the development of internet financing and E-commerce small business,China's E-commerce small business financing mode has no tangible systematic research,so E-commerce small business Labs Internet financing model is Necessary.This article reviews some modes of internet financing,and it has the important and innovative practice instruction significance.On the basis of E-commerce small business,finance and other Internet-related concepts set forth on the Internet several proposed financing model types,and describes the implications of advanced foreign experience in financing for China's Internet financing.And the status of the Internet financing needs of the E-commerce small business,there is a cause of the problem were analyzed,it pointed out the current situation of financing on the Ecommerce small business.Subsequent Chinese Internet financing in three commonly used financing model Ali small loans,loans UNPROFOR network,network revolving loan for a detailed description and analysis and comparison,analysis of each financing mode Internet use SWOT analysis,deepened the Internet Financing understanding,and make electricity supplier small businesses on the basis of which the Internet when financing more suitable for financing.Finally,we give some recommendations that the E-commerce small business obtain better finance and promote internet financing healthy and ordered development.