Research On Financial Leasing P2P Mode Of Small And Micro Enterprises

At the end of 2011,small and micro enterprises are defined as small businesses,micro-enterprises,family-owned enterprises,individual industrial and commercial households collectively by our country economist professor Lang Xianping.In recent years,with the rising number of small and micro enterprises in China shows that small and micro enterprises have become an important emerging force in the national economy development of our country,it affects the social employment rate and the real economy development process,etc.However,due to small and micro enterprises own limitations,such as the financial system is not clear,the lack of professional financial officers,the credibility of the credit risk is low,the information disclosure system is imperfect,and so on,making the small and micro enterprises in China had imperfect credit rating mechanisms at a disadvantage,leading banks and other financial institutions to control risk and strictly control the small and micro enterprises financing;On the other hand,because of higher business costs and lower middle income,Banks and other financial institutions to small and micro enterprises loan positive degree is low.Small and micro enterprises scale is not in conformity with the equity financing and debt financing channel access standards,is not in conformity with the relevant rules.If the private lending finance companies should bear a higher cost of financing,although able to alleviate some of the financial needs of small and micro enterprises,but it can't effectively solve the financing difficulties of small and micro enterprises status.So that small and micro enterprises need to open up the financing channels and innovative financing modes.This paper focuses on a new mode based on traditional financing business of financial leasing P2 P mode,it can be regarded as the traditional financial leasing and financial impact of Internet,with small and micro enterprises as the main body,analysis of the limitations of its development based on traditional financing and leasing business,traditional asset growth financing and leasing business of small and micro enterprises to alleviate the difficulties of financing effect is not significant,need to delve into small and micro enterprises financing patterns of innovation that financing lease P2 P mode,to analyze financial leasing P2 P mode is available in the feasibility and necessity of financing small and micro enterprises,Finance lease P2 P mode found the problems from the study for the improvement of financial leasing P2 P mode corresponding to propose effective recommendations and countermeasures.