Internet Financial Services Small And Micro Enterprises Financing Innovation

Small and micro businesses is the main force in the job market,the macroeconomic downturn in the background,Small and micro businesses financing problems have become increasingly prominent,directly affect the survival and development of Small and micro businesses,properly solve the problem,Small and micro businesses financing is related to the overall situation of great significance.The Internet is planning and technological progress of the times,originated in the United States since 1970 s,after 40 years of rapid development,the Internet has had a profound impact on the traditional financial industry,promote a change in the financial industry.In 2012,domestic scholars put forward the concept of Internet banking,Internet banking can be divided into two stages,one is to change the application of Internet technology to implement the traditional financial industry,realize the "Internet";two is a large number of Internet companies involved in cross-border financial market activities,to promote a new mode of payment,financing channels and financial business model innovation.Internet banking through the extensive application of mobile payments,big data,cloud computing and other modern Internet information technology,and strive to practice the disintermediation,further reduce the degree of information asymmetry,improve the efficiency of capital allocation,reduce the transaction costs of both parties.Compared with the traditional financial institutions and financing channels,Internet banking services are more suitable for small and micro enterprises financing needs by small and micro enterprises generally welcome.Internet financial services for small and micro enterprise financing innovation for us to do a good job of small and micro enterprise financial services,to solve the problem of financing small and micro enterprises to provide a new perspective and solutions.Small and micro enterprises for Internet financial innovation,ease the financing problem of small and micro enterprises,a strong impetus to the healthy development of small and micro enterprises.This paper analyzes the two representative of theInternet Financial Services small and micro enterprises financing innovation case:first,Ali electricity supplier microfinance trade model,referred to as Ali small loans.Ali small credit is our unique generated based on Internet financial innovation,the huge transaction data and information flow analysis to evaluate credit and financing services to customers through the data mining,the development of small and micro enterprises relying on the support of Ali electricity supplier platform.The two is Guizhou Tiancheng launched "Tiancheng" control through mobile financial services platform.The construction of Guizhou Tiancheng holding the mobile Internet small micro financial services platform based on the innovation of small and micro payment channels,enrich and improve the depth of Small and micro businesses financial service industry,provide good financial service experience for Small and micro businesses and customers.Through the analysis of the above two cases,the Internet financial services Small and micro businesses financing innovation proposals in this paper: one is to promote the integration of traditional financial and Internet,Internet Finance and traditional finance have different advantages and broad cooperation space;two is through innovation,big data,mobile Internet,cloud computing and Internet technology,can achieve the funds the supply and demand of financing Small and micro businesses in the greater scope for precise matching,alleviate the problem of financing Small and micro businesses;the three is to strengthen the construction of Internet financial information transparency,Small and micro businesses of Internet financial credit database,improve Small and micro businesses information disclosure channels,reduce information costs;four is to optimize the financial development of the Internet environment on the one hand,the government should increase policy support to moderately tolerant,on the other hand,to strengthen financial supervision of Internet to prevent wind Insurance.