Study On Network Financing Under The Background Of County Rural Credit Cooperatives To Improve Small And Micro Businesses Loans Service

This article is based on the Internet under the background of the financial times,on the one hand,a series of financial innovation,especially the network finance makes the traditional banking business shrinking,on the other hand,the development of small micro enterprise problem increasingly brought to the attention of the society from all walks of life,each line also take active measures to the development of small micro enterprises to create a good environment for development,but small micro enterprises still face financing difficulties,financing your problem.The Internet as a new way of financing,financing in great change,greatly reduce the financing cost of enterprises,improve the financing efficiency,quick to fill the gaps in small micro enterprise financing area,greatly make up for the deficiency of the traditional banking.For just transformation reform of rural credit cooperatives,on the one hand,due to the heavy historical burden,resulting in slow development in the past ten years,on the other hand,with the impact of the Internet financial,transform and upgrade of the rural credit cooperatives and business innovation is urgent.As a job in the suburbs association staff,I hope that in the understanding of small micro enterprise financing demand and small micro enterprise financing current situation,on the basis of county-level rural credit cooperatives with the advantages and disadvantages of network finance business model,further explore how to improve the rural credit cooperatives at the county level small micro enterprise loan services.First of all,the author introduces the related theory of Small and micro businesses financing,and on this basis,analyzes the demand situation in recent years Small and micro businesses on financing,and describes the status of rural credit cooperatives Service Small and micro businesses,although this kind of financial services in China has been greatly improved,but there are still many the problems to be solved,now banks for small and medium-sized enterprises to make money is not good to small and medium enterprises to meet the urgent demand for bank loans.After that,it elaborates the concept,advantages and disadvantages of the network financing and the contribution to the financing service of small and micro enterprises.Since the business development in the suburbs of Zhengzhou Association for a brief introduction,and financial services network Small and micro businesses services were compared with SWOT analysis.The paper finally puts forward the conclusion,based on the possibility of the rural credit cooperatives to improve Small and micro businesses loan services,improve the industry from the advantages of the original commercial banks,commercial banks at home and abroad successful transformation cases and so on external conditions in terms of analysis,put forward concrete suggestions,including strengthening the United Internet network of business credit construction,financial cooperation,enterprise the improvement of rural credit cooperatives organizational structure and management system,strengthen product and service innovation research and improvement of risk control methods.