Thguar Mic He Res Rantee Cro En Platfo Earch E Mod Nterpri Orm In H Repo De Abo Ises In N Anh Ort Of F Out The N Onli Hui Pr Financ E Sma Ne Len Rovinc Cing All And Nding Ce D G

With internet finance's rapid development in recent years,the part of nots allow to ignore the power of the net credit financing emerging,more and more enterprises and individual use net credit financing to meet their own needs.As small micro enterprises face serious financing environment,came up with the net credit platform to ease the difficulty of financing,through third party network credit platform ACTS as the role of the information platform to provide information for both borrowers and lenders,online meets the requirements of many small micro enterprise financing.But,the net credit platform has just entered the stage of development,especially in anhui province network platform,which compared with its Chinese credit industry development is not mature,as well as the rapid development in recent years,along with problems of distributed platform,small micro enterprise financing risk also gradually revealed,coupled with the current our country has issued a series of regulatory rules are also to some extent,so that the net loan financing platform mode to the development of the future direction is not clear.In this context,the anhui province network platform financing guarantee loan mode which model is most suitable for small micro enterprise financing environment and the pattern the problems existing in the actual operation process is the main research activities of investigation and research,for small micro enterprise effectively use net loan financing platform to provide effective reference.First of all,the methods such as network survey,website of anhui province 30 network platform operation,the basic situation of the financing guarantee loan mode several main models to use third-party guarantee mode and 17 platform operation condition has carried on the comprehensive survey;Secondly,in the research of our country developed in recent years,on the basis of a series of Internet financial regulatory rules by anhui Internet financiers platform of anhui 10 representative network platform,the questionnaire survey to loan from the scale of the basic information platform,secured financing risk,cost,advantages and design the questionnaire and integrate the survey results,using descriptive statistics analysis,comparative analysis and other methods,it is concluded that net credit platform in anhui province financing guarantee main model namely the escrow is facing regulatory policies are not clear,guarantee institutions guarantee ability insufficiency,the financing cost is high,the small micro enterprise financing problems such as less conclusions.Finally,in view of the network platform third-party loan guarantee mode in anhui province are faced with the problem in the process,put forward to establish the guarantee system of financing guarantee the rating system,the elaboration and the optimization of regulatory policy,perfecting the credit system and advice.