Research On The Small And Micro Enterprises Financing Based On Internet Finance

Small and micro enterprises as an important part of national economic system, play an irreplaceable role in increasing employment, promoting technology innovation, speeding up the economic growth, and other aspects. But as a result of weak management and profitability, less fixed assets, financing situation of small and micro enterprise is not optimistic. In recent years, the Internet finance to a certain extent ease the small and micro enterprise financing predicament, Internet financial expand the boundary of financial services, at the same time, provide more financing availability for small micro enterprises.Paper first analysis small and micro enterprises financing condition and the limitations, the narrow financing channel and single financing way, high financing costs not only limit small and micro enterprise financing, also limits the sustainable operation and healthy development of small enterprises. Then analysis the Internet Finance models and their financial mechanism and advantage, Internet financial based on big data as the information carrier, finance environment based on Internet is more open, market information asymmetry degree is lower, with the search engines for information organization, sorting, and search, participants can match information more objectively, more accurately meet the demand of financing enterprises, not only reduces the market information asymmetry, weaken the role of financial intermediaries, also make a huge contribution on optimizing the allocation of financial resources. Based on Internet financing, small and micro enterprise not only broaden the financing channels and methods, also reduce the cost of financing, at same time improve financing efficiency. The fourth chapter study the case of small and micro enterprise based on Internet financial financing, first of all the case is attractive, the Jingdong provides effective support to this finance case, then fluent information and communication in the process of financing increased funding availability. The fifth chapter gives financing countermeasure for those small and micro enterprises with financing need, including platform, use the money, upgrading competitive capacity and Set up a good enterprise image.