Small And Micro Enterprise Online Loan Financing Research

The role played by small and micro enterprises in the process of economic development in China can not be ignored.According to the relevant statistical data,at present,small and micro enterprises and individual businesses are the main parts of China's economy.Small and micro enterprises in the rapid development at the same time,the demand for funds has increased further,from the development of the market,unable to meet these enterprises large-scale demand for funds.Small and micro enterprises biggest problem is insufficient funds,hinder their own development.Therefore,if we want to completely solve such problems,only by means of traditional financing channels is still far from enough,we need to develop more financing channels.In the context of the combination of Internet and finance,the net loan platform has brought great challenges to the traditional financing channels because of its low operating costs and time and space constraints.Fully with the financing advantages of network lending platform,to promote the development of small and micro enterprises,to play an active role in China's economic growth.At present,China's Small and micro businesses exist obvious financing difficulties,so the P2 P network lending platform based on the in-depth analysis of China's Small and micro businesses with the feasibility of financing P2 P network lending platform,at the same time with the related theories of Small and micro businesses net loan financing choice and design,finally put forward the conclusions of this study and limitations.The first chapter is the introduction.This paper introduces the research background,research significance,summarizes the current research situation at home and abroad,and briefly describes the research methods and research ideas.The second chapter,financing related theories and methods.This paper mainly introduces the financing theories and methods of the mainstream small and micro enterprises,and combs the relevant basic theories that may be adopted later.The third chapter,small and micro enterprise net loan financing program design.The traditional financing channels for Small and micro businesses disadvantage,while net loan financing model can better meet the financing needs of Small and micro businesses,as well as the Small and micro businesses how to use the net loan platform for financing reference design.The fourth chapter,HTY company net loan financing case analysis.Introduces the basic situation and financing environment of HTY company,and carries on the financial analysis and the demand calculation,and carries on the application to the HTY company before the financing plan designed.The fifth chapter is the conclusion and limitation.Summary of the full text,a brief overview of this research limitations and prospects for the future.Small and micro enterprises how to better use the net loan platform for financing it? In the network loan financing project design part has carried on the detailed analysis.First of all,Small and micro businesses should be fully aware of its financing demand,through the cash budget forecast the financing gap and the financing period,the next financing activities pave the way;then,for enterprise capital structure analysis,determine the target capital structure,taking into account the net loan platform for Small and micro businesses asset liability ratio requirements,the Small and micro businesses of capital structure in the process of financing in a reasonable range;secondly,the Small and micro businesses how to choose the appropriate net loan platform provides a reference process,Small and micro businesses selection of net loan platform is decided by many factors,such as the amount of financing,loan interest rate,loan period;finally,according to the Small and micro businesses financing the characteristics of two kinds of loan design,can be expected and unexpected loan loans can be expected to loan financing costs as a priority target,according to the Borrowing rates from low to high,the financing platform can be sorted,in turn borrowing from the net loan platform to meet financing needs.The sudden loan is based on the principle of financing priority,borrowing the financing platform at the same time in order to meet the requirements of the speed of unexpected loans,financing costs may be high.