Research On The Mechanism Of Credit Financing Risk Screening Of Small Loan Of Electricity Suppliers

Small and medium-sized enterprises in promoting economic growth, employment and technological innovation plays an important role, is the most effective part of the national economy growth, the contributions to the national economy is the important force. But due to the small and medium-sized enterprise own development strength is weak, the disadvantages of the existing financial system, as well as other financing is limited, because of the limitation of most of the small and medium-sized enterprise's development has been limited to the size of the funds, financial markets can help small and medium-sized enterprises, especially small micro enterprise rarely get effective financing way, the most common is through the traditional bank credit financing, or with the aid of high cost, cost of private lending for financing, financing by problem always restricts the development of small and medium-sized enterprises. Under the traditional financing way, information asymmetry between the fact that the bank at the time of sme loans tend to ask it to provide a certain physical mortgages as guarantee, to reduce the moral hazard problem caused by asymmetric information, improve the safety of the loan. Smaller and small and medium-sized enterprise development, to provide full collateral that could satisfy the requirement of the bank, because they cannot show their risk type and bank credit rationing, eventually without financial support increasingly exit the market, influence the development of the economy.With the rise of the Internet technology, information exchange and big data analysis technology has developed a large number of Internet online financing model. Internet technology and the combination of financial innovative thinking can largely alleviate the long-term existence of small and medium-sized enterprise financing difficult problem. P2P loans, the suggests and emerging, such as electric business financial financing mode with more symmetrical information, efficient and convenient fundraising lending and cheap cost of financing for small and medium-sized enterprises solve the problem of capital chain provides a new channel.First, in terms of theoretical analysis, this article from the current financing difficulties of small and medium-sized enterprises, this paper expounds the traditional financial mode of small and medium-sized enterprises due to its own development scale limits the reason such as the lack of collateral, the bank credit rationing to promote enterprise development present situation, under the Internet environment is analyzed and the advantage of electric business financial model and mechanism of electricity enterprise financing theory. Secondly, this paper established a electricity microcredit model based on information economics, analysis of the electric business platform as capital providers, electric commercial microfinance mode to reduce information asymmetry, eliminating mechanism of credit rationing, finally on the basis of above, set up a consortium of electric commercial microfinance model, studies how the electric business platform will risk transfer to the consortium, realize the consortium of group identify types of risk, and according to this article research conclusion, to improve the electric business financing mode put forward the corresponding development Suggestions of small and medium-sized enterprises' financing efficiency. All in all, based on the perspective of electric business platform, based on the characteristics of electricity, small loans of model constructed two information economics, and build more efficient financing model for electric business platform provides a reference, for the development of electrical business financial provides scientific theory basis.