Research On Small And Micro Enterprise Internet Finance Financing Platform

Over the past decade,with the rapid development of China's Internet,Internet technology continues to penetrate the financial sector,Internet finance in China has quietly rise.Nowadays,the development of Internet finance presents diversity,P2P network lending,third-party payment,crowdfunding,large data finance and so many the Internet financial forms are booming.But at the same time,due to the lack of perfect laws and regulations,strict financial supervision and the risk prevention and control system,the development of these emerging Internet financial technology to the sociaty also brought some problems.Our country's small and micro enterprises in the economic development dominate an important position.According to statistics,China's small and medium enterprises created the final product and service value equal to 60%of Gross Domestic Product(GDP),the tax account amouts to 50%of total national tax revenue,and completed 65%of the invention patents and more than 80%of new product development.However,the development of small and micro enterprises has been plagued by the.financing problem.Therefore,this paper proposes to use Internet financial technology to solve the problem of financing for small and micro enterprises,to ensure the healthy long-term development of small and micro enterprises.This paper analyzes the financing difficulties faced by the small and micro enterprises by means of literature,comparison and case analysis,and focuses on the development of Internet finance in the case of Ali Finance.Through the study of the traditional financial and Internet financial model and Internet financial model Comparison,put forward Ali financial to solve the problem of micro-enterprise financing has a positive meaning,with view to the micro-enterprise financing difficulties enlightenment.