Research On The Financing Problems Of Small And Micro Foreign Trade Enterprise Under The Background Of Internet Finance

Our country has a large number of small foreign trade enterprises,these enterprises can not only solve the problem of social employment,maintaining social stability,but also stimulatethe vitality and potential of the market has played a role.But in the current environment of market economy,foreign trade Small and micro businesses financing problem has become the focus of state and society,how to choose the correct and appropriate solution to foreign trade Small and micro businesses financing problem has become a problem that must be solved.Many financial institutions on the market will be the key to the success or failure of its strategic transformation is to be able to be a good financial services for small and micro enterprises.In recent years,the emergence of small loan companies,small and micro enterprises in foreign trade financing to alleviate a lot of pressure.The emergence of Internet banking is expected to fundamentally solve-the problem of foreign trade financing small and micro enterprises.After a summary of the reasons for the financing difficulties of small and micro enterprises can be divided into internal and external causes.The internal cause is the characteristics of small and micro enterprises,the external factors are imperfect national laws and regulations,the central bank's credit rating system is not complete,the lack of a sound credit system.Internal and external factors for the following three:the existence of asymmetric information,foreign trade Small and micro businesses and banks and other financial institutions between the phenomenon of weak position of banks and other financial institutions in the information,resulting in banks and other financial institutions for foreign trade Small and micro businesses implement credit rationing;two,foreign trade Small and micro businesses due to the average survival period is shorter,the risk of loans to banks and other financial institutions are facing more;three,foreign trade Small and micro businesses due to the lack of modern management means and methods,resulting in banks and other financial institutions in large and medium-sized enterprises to pay their credit rating when the cost is high.Therefore,if we want to solve the problem of financing of small and micro enterprises in foreign trade,we must start from two aspects,one is to solve the problem of asymmetric information;the other is to reduce the cost of credit.Two.If the theory is feasible,but the actual operation is not simple."Internet plus financial" make this issue a turnaround,and made in the area of foreign trade Small and micro businesses credit achievements obvious to people.Based on the background of financial Internet,this paper expounds the advantages and disadvantages of different financing models,and hopes to provide some ideas and suggestions for the financing of small and micro enterprises.The first chapter describes the background,significance and innovation of this paper.The second chapter expounds the definition of Internet banking and foreign trade Small and micro businesses division standard in detail about the foreign trade Small and micro businesses financing theory,and has appeared on the market a new financing model is introduced and a detailed classification,at the same time,using the correlation model shows the reasons of bank income and interest rate is not proportional to the.The third chapter is about the comparative analysis of Internet financing and traditional financing.First pointed out that for the foreign trade of small and micro defects of traditional enterprise financing;secondly data shows that the Internet mode of financing the basic situation and in the way of financing in the proportion;again the Internet financing on the impact of foreign trade Small and micro businesses financing;finally,comparison of Internet Finance and traditional financing way.The fourth chapter is the new model of foreign trade financing small and micro enterprises under the background of Internet finance.In the article,the case of Ali financial analysis of the platform + small loan financing model and Lu Jin as an example of the P2P network lending financing model.To Ali financial as the representative of the "platform + small loan financing model is the earliest and most successful cases,the development of Ali financial impact on traditional banking,foreign trade Small and micro businesses financing has played a great role in the analysis of small loans Ali will provide ideas for solving problems.Lu Jin is currently the fastest growing P2P model on the market,which has further increased the diversity of the Internet financing model.The fifth chapter "mode Internet plus finance" in our country since 2012 to the rise of the explosive development to today,made a great contribution to the development of foreign trade Small and micro businesses,but also can not be ignored its own risks,so to strengthen the construction and management of risk is imminent.In this paper,from the point of view of small and micro enterprises in foreign trade,the angle of the Internet companies and the three aspects of the regulatory agencies,the paper puts forward some suggestions and countermeasures.