Research On Internet Financing Mode Of Small And Micro Enterprises

Our small and micro enterprises account for a very high market share of the main body, it is nearly 150 million people to solve the employment problem is an important part of national economy, however, a major problem of the large number of small and micro enterprises are facing is financing difficulties, because the traditional financial institutions, small and micro enterprises difficult to grasp the business situation, while small and micro enterprises do not sound financial statements, so the traditional banks are not too keen to risk, low-profit small micro-enterprise loans, it is difficult by traditional financial institutions receive financial support. In recent years with the rapid development of Internet banking, the emergence of several new Internet financing models, such as P2 P net loan, crowdfunding finance and small loans based on big data and other services, the combination of Internet and finance to make the financial industry even more powerful, the reason is able to interpret the nature of the demand for financial services over the Internet most effectively. This is also the source of Internet financial core competitiveness. Way Internet has made financing small micro-enterprise financing problems. This article specifically for small and micro enterprises through the Internet this financing issues discussed, summarized the researches on the financing of small and micro enterprises, compared with the traditional Internet two financing mode, the system describes three Internet financing model, concluded the scope of financing mode network.This paper describes the theory of small and micro businesses, including the theory of asymmetric information, credit rationing theory and corporate finance growth cycle hypothesis, based on the traditional financing model and the Internet financing model were compared to Ali finance as an example of the Internet financing and small businesses have a natural compatibility, then introduces P2 P, crowdfunding and small loans based on the advantages of three financing models big data, each mode will be described separately with actual cases, for more than three modes We discussed the small and micro businesses to select three modes based on, and finally summarized and discussed.