The Research Of Small Micro Enterprise Innovation Financing Pattern In The Perspective Of Internet Finance

Our small and micro enterprises in the market to stimulate vitality,and promote job growth and maintaining social stability play an irreplaceable force,small and micro enterprises as the sustained and healthy development of China's economic foundation.However,since the traditional financing model limitations and narrowness,by traditional financial institutions in the financial landscape selectively ignored,become small and micro enterprise financing in the development of a stumbling block.Internet banking has an open,democratic,inclusive,convenient,efficient and targeted,and many other advantages,will become a new and effective way to resolve the plight of small micro-enterprise financing.In this paper P2P mode,large financial data,and three kinds of Internet crowd funding financial financing model for analysis,analysis of its operating mechanism in the Internet finance small and micro enterprises solve the financing problem on a great advantage.Compared with traditional banking,Internet banking to big data,network as a platform to achieve the extension and expansion of traditional financial services.Internet banking costs by improving the flow,greatly reducing transaction costs,speed up the efficiency of lending for small and micro enterprises to greatly enhance small businesses obtain financing rate.Of course,the Internet financial model also has certain risks.In the context of the Internet banking presents a bank,electricity provider,the new model of financing logistics "strategic cooperation" of small and micro enterprises.This model will be banking,electricity,logistics tripartite owned capital flow,information flow,logistics advantages combined with its integration of resources and give full play to give the "marriage" value.The article describes a typical case of "Bank Logistics electricity supplier strategic cooperation",...