The Era Of The Internet Financial Technology-Based Small Different Financing Channels Of Micro Enterprises Choose Model Study

For years,the start and development of small and medium-sized enterprises are faced with a shortage of funds.During the period of the healthy development of the economic capital flows with more liberty.but most of the time,a lot of huge potential development science and technology small enterprises even in good economic development period,they also stand on the road of development has been developing obstacle-a shortage of funds.In found in the study of small and medium-sized enterprises at present,many medium-sized enterprise growth environment is optimistic,an urgent need to support is the small micro enterprise.At the end of 2013,our country the ministry of commerce and industry registration and filing of small micro enterprises reached more than 94.5%,nearly all industries and fields cover on the market in our country.Small micro enterprise creates 85% of urban and rural employment,the final products and services account for 60% of gross domestic product(GDP),created more than half of the export revenue and fiscal and tax.Technology-based small micro enterprise in its activity is the essential characteristic of the whole process of each link and combination on the comprehensive innovation.In the comprehensive innovation,technology innovation has a special role,it is the other innovation leading to join each other and mediation.Technology-based small micro enterprise technology innovation of running clear there is a material,information and capital third-rate circulation patterns.Science and technology in our country the number of small micro enterprise while growing,but their growth situation is not optimistic,which is facing a major problem is financing obstacles.In recent years,domestic inflation intensifies,raw materials and labor costs rise,increased the degree of small micro enterprise demand for capital.Technology-based small micro enterprise personnel usually small number at the same time,the assets of the relatively small size,which may mortgage the proportion of tangible assets is lower,so it is difficult to get loans from Banks and other formal channels.But the raise industry's rapid development on the one hand,for the traditional financial development model provides a new train of thought and direction of innovation,help to promote the continuous improvement of the financial system in our country,better serve the real economy;Raise industry development,on the other hand,the lower the financing threshold,the Internet technology innovation for enterprises and small and medium-sized enterprises,to a certain extent,ease the financing difficult situation,to support the development of small and medium-sized enterprises is of great significance.Based on technology-based small micro enterprises as the research object,and introduced the selected topic background,the selected topic significance and related research and on the basis of theoretical research results at home and abroad,the paper first of all,to science and technology development of small micro enterprises and related elaboration,and about the present situation of the financing and financing problem causes are analyzed.At the same time introduced the raise a new financing way and the raise pattern.Using the AHP analytic hierarchy process(AHP)model,this paper proves that the suggests ways is to support technology-based small micro enterprise financing is a very good way.