The Research On SME Financing Issues In The View Of Internet Financing Mode

2013,the balance of treasure,P2 P,bitcoin and other emerging Internet banking platform has become a hot topic of concern.The Internet financing mode in forced to change the operating mode of traditional financial institutions,the development of new lending products at the same time,but also gave birth to the "third party payment of Internet,small loans,P2 P loans,raise public mode and a number of new financing mode,a direct beneficiaries of this batch of new small and medium-sized enterprise financing mode.SMEs as an important force in China's economic and social development of the people's livelihood,in employment,patent invention,tax and other aspects made outstanding contributions.However,small and medium-sized enterprises have been the most serious constraints on the bottleneck of the funds.There are many reasons of the financing difficulties of small and medium-sized enterprises,outstanding performance is: information asymmetry,financing channels narrow,high transaction costs and other issues,and financing channels for the Internet agree without prior without previous consultation causes of the financing of small and medium-sized enterprises,at least in theory to solve the main problems of SME financing,this paper hopes through the possibility of financing of small and medium-sized enterprises,small and medium sized enterprises financing problem using the Internet to solve the capital problem are analyzed based on the small and medium-sized enterprise funds to alleviate the shortage of the theoretical reference development dilemma.The station from the perspective of financing sources on the Internet,on the main line of small and medium-sized enterprises to obtain financing through the Internet financial system from three aspects of traditional banking system,credit system,electricity providers of small private capital financing system analysis in the Internet mode of financing for small and medium-sized enterprises.Through the study of the advantages of Internet financing and its differences with the traditional financing,analysis of the Internet financing model,analysis of the Internet for SMEs to bring the positive significance of financing.According to our current construction bank "good financial business,Ali credit loan," big fish Begonia "film raised such as case analysis,explore the use of these small and medium-sized enterprises financing conditions and should pay attention to the problem based on actual.Finally,the application of Internet financing for small and medium sized enterprises is proposed.In the research method,mainly uses the literature analysis method,the theory analysis and the case analysis combination method.Based on the analysis of the source of capital,the Internet finance system from three aspects of traditional banking system,electricity providers of small loans system,private capital system,and through the Construction Bank " good financial business,Ali credit loan,the movie " big fish " Begonia all the chips and case analysis,explore the Internet financing operation mode,mode advantages and problems.Operational recommendations for the use of Internet financing for small and medium sized enterprises in China.