Research On Financing Of Small And Micro Enterprises In The Internet Financial Model

In recent years, the proportion of small and micro enterprises in the total enterprises increased rapidly, and the healthy development of small and micro enterprises played an important part in upgrading the total economic output in China. Studies have shown that the healthy development of small and micro enterprises not only contributed to the development of China's socialist market economy but also solved a large number of employment issues. Meanwhile, the country's fiscal revenue been improved greatly. Therefore, the healthy development of small and micro enterprises has received extensive attention and support from the government and the community. However, due to the impact of small and micro enterprises' internal factors and external factors, small and micro enterprises in our country still face difficulties in the process of seeking financial support. At the same time, small and micro enterprises get a new financing opportunity with the rapid development of Internet finance. A variety of new internet financing platform can not only provide a convenient and efficient trading platform for small and micro enterprises,but also meet the financial needs of small and micro enterprises in the development process, which is good for the healthy development of small and micro enterprises. In the traditional mode of financing, due to many factors, such as their small size, unstandardized management, asymmetric information, complex loan procedures, small and micro enterprises can't get effective financial support for expanding their business, which causing difficulties to their sustained and healthy development. Seeking a new effective financing way is a problem for small and micro enterprises, which need to be solved quickly. With the innovation and growth of the internet financing in China, the internet financial model become mature and perfect gradually. Due to the integration of the internet financial model and the internet, the internet financing got the goods like the lower access threshold, the short financing cycle, sufficient data and information, which provides a new financing platform that is different from the traditional financing mode. That ensured the sustained and steady development of small and micro enterprises. Because of the internet financial system still not be controlled by a strict law, the small and micro enterprises will face more risk in the process of providing financial services, which cause business losses at last. For preventing this, the government should improve the regulatory policy and correspond the laws and regulations on the internet financial system. Creating a more secure and standardized service platform for the development of small and micro enterprises which make the internet financing more and more mature.In this paper, I analyzed the financing status and reasons of small and micro enterprises in China briefly, and tried to analyze the operation process of three kinds new internet financing models. Then, summary the research of the internet financial platform how to provide efficient financing services for small and micro enterprises. Finally, summarized the risk in the financing process of small and micro enterprises, and put forward measures for solving the risk, in order to improve the financing platform. I hope the financing process of small and micro enterprises can be more safe and efficient in the internet financial background.