Research On Small And Micro Enterprises Financing Through P2P Network Loan Financing

In the thirty years of reform and opening up, the rapid development of small and micro enterprises in china. Small and micro enterprises have become the main component of the market economy in our country. According to statistics, China's registered small and micro enterprises accounted for more than 90% of the total number of enterprises, the business scope of all entities involved in the industry.Small and micro enterprises is supporting China's transformation of economic growth mode, the main driving force to promote sound and rapid development of the entity economy, and for the sustained and stable economic growth and lay a solid foundation, but also for new employment provide a lot of job however. But because of small and micro enterprises by small scale and few assets, anti risk ability is weak,coupled with the financial system is not perfect, the corporate governance mechanism imperfect decided the financing risk, high cost, it is difficult to get traditional financial institutions funding support. Judging from the current situation, small and micro enterprise financing mainly exists three problems: one is small and micro enterprises as borrowers and lenders between serious information asymmetry problem,the second is the asymmetry of information of both sides of credit further lead to the higher cost of borrowing, for loans, credit risk of small and micro enterprises more difficult to control. Therefore,the plight of small and micro enterprises financing difficulties have been more and more attention.In the current demand for small loans and bank credit crunch under the double squeeze, Internet banking, in particular, the size of the small, fast lending rate of P2P net loan development quickly. In this paper, through the study of the financing of small and micro enterprises of traditional models and principles, to find out the general and special financing of small and micro enterprises. Then, the operation mode of the P2P platform is analyzed, and the mode of the foreign P2P platform is summarized. It can be seen that the P2P platform of our country also draws lessons from the foreign operation mode. Subsequently, the author describes the status and problems of the development of China's P2P platform, analyzes the reasons for the rapid development of China's P2P net loan, but also summed up the problems of China's P2P platform. The author also on P2P finance loans and other loan financing pattern comparison, P2P and greatly loan data were compared, and with the traditional financing were compared to illustrate the P2P platform for small and micro enterprise financing advantage. The last chapter of the article from the optimization of the organizational structure, strengthen the P2P net loan financing platform construction, strengthen risk control for small and micro enterprises in the three aspects of the proposed P2P financing. In summary, the development of small and micro enterprises can not only rely on their own ability, but also have to rely on external financial support,P2P network financing platform will play a lot of key role.