Internet Financial Times Innovative Research On Small And Micro-sized Enterprises Financing Model

Small and micro-sized enterprises are important to a country's economic and social development. However, the development of small and micro-sized enterprises have been constrained in financing. With the rapid development of Internet Financial, there is an innovation in financing of small and micro-sized enterprises. The Internet platform is taken as a third-party intermediary in the innovation, which provides a new idea for solving the financing problems of small and micro-sized enterprises. Can the financing innovation of small and micro-sized enterprises in the Internet era effectively alleviate the financing problems of small and micro-sized enterprises? How will the financing innovation alleviate the financing problems of small and micro-sized enterprises? In order to solve these problems, it is necessary to understand the causes of the financing difficulties of Small and micro businesses, the meaning of Internet Financial. Then, analyze small and micro-sized enterprises financing mechanism under the background of Internet financial, analyze financing innovation of small and micro-sized enterprises. This paper from the perspective of the financing difficulties of small and micro-sized enterprises, analyze Internet financial and the innovation in financing of small and micro-sized enterprises by using quantitative analysis, comparative analysis, case study method and the method of game theory. The innovation in financing of small and micro-sized enterprises under the background of Internet financial is of great significance for the development of small and micro-sized enterprises. After a review of relevant literature, this paper made the following research:Firstly, we made theoretical analysis of financing of small and micro-sized enterprises and Internet Financial. In this part, the concept of small and micro enterprises were defined. We analyze the factors which restrict the financing of small and micro-sized enterprises. Besides, we define the implications of the Internet financial and analyze the advantages of Internet financial, analyze small and micro-sized enterprises financing mechanism under the background of Internetfinancial. Secondly, we mainly analyze financing innovation of small and micro-sized enterprises. We divide financing innovation of small and micro-sized enterprises into five types, and we analyze and compare the operational mechanism and risk control of these types. Thirdly, from the perspective of game theory, we analyze the decision-making process of the participants in financing of small and micro-sized enterprises. Lastly, we put forward relevant suggestions according to the results of theoretical analysis and game analysis.