Research On The Promotion Of Internet Financial Credit On The Development Of Small And Micro Enterprises

Credit economy is the only way for the development of modern market economy,and the rise of the Internet financial platform has brought an important influence on the traditional credit system.Internet based financial platform for large data credit with its own unique advantages of massive resources and data mining depth,is becoming a new standard for the development of the credit economy.China's large number of small and micro enterprises,in improving the vitality of the market economy,social employment and other aspects of outstanding performance.But for a long time,the development of small and micro enterprises subject to funding,financing problems have not been effectively resolved.For the financial credit business,risk prevention is the core of credit investigation before loan and after loan funds to monitor traces and transactions,and the latter because of information asymmetry makes the traditional financial companies is difficult to accurately grasp the customer the whereabouts of the funds,only by means of mortgage and other means to control.The main object of Internet financial credit is the Small and micro businesses,which can lower the cost of credit for Small and micro businesses,and through the cloud platform for real-time monitoring of the lender's credit status and take necessary measures in a timely manner,so that the non-performing loan rate at a low level.This paper mainly discusses the role of Internet financial credit in promoting the development of small and micro enterprises.The thesis consists of five parts.The first part is introduction.The second part is the theory of this paper.The third part is the positive role of the Internet financial credit financing for small and micro enterprises.The fourth part is the experience and Enlightenment of foreign Internet financial credit system construction.The fifth part is countermeasures and suggestions.The sixth part is the conclusion.