Research On The Financing Model Of Internet Finance In China's SMEs

Since China's reform and opening up,along with our country changed from planned economy to market economy,our country's economy has maintained rapid growth.At the same time also got rapid development of small and medium-sized enterprises in our country,the economic contribution rate,provides the number of jobs and pay taxes constantly growing,our country small and medium-sized enterprises more and more important in the process of economic and social development status,has become an important force in economic development in our country.Until the end of 2016,more than more than 2000 small and medium-sized enterprises in our country,GDP contribution rate is over 65%,fiscal revenue accounted for more than 55%,absorb employment in urban employment,80% of the population.However,due to the influence of the small and medium-sized enterprise internal causes and external financial environment,financing has always been a big expensive,financing difficulties,a main reason of the development of small and medium-sized enterprises in our country.In this paper,using the analytic hierarchy process(ahp)to study the factors affecting our country small and medium-sized enterprise financing difficulties,characteristics and advantages of the Internet financial financing model in our country,puts forward the countermeasures and Suggestions of small and medium-sized enterprise financing Internet mode.First of all,our country small and medium-sized enterprise financing status of characteristics,and the analysis of existing problems in the process of financing,using the analytic hierarchy process(ahp)to affect small and medium-sized enterprise financing difficult problem three aspects from enterprises,financial institutions and government 16 factors for quantitative analysis and qualitative analysis.Then introduce the advantages and risks of small and medium-sized enterprises in our country Internet financing model,draw lessons from foreign small and medium-sized enterprise financing model Internet development experience,the Internet financial into the important tool to solve the problem of our country small and medium-sized enterprise financing difficulties and means.From Internet financial product innovation,the Internet financing channels and financing mode of small and medium-sized enterprise financing pattern countermeasure and the suggestion,the Internet to solve the problem of financing difficulties of small and medium-sized enterprises,it has certain theoretical and practical significance.