The Research On Cloud Financing Service Platform Of Zhejiang Uni-power Guaranty

Based on the rapid development of Internet finance in recent years,small and medium-sized enterprises of science and technology are the main force of national innovation,its sustainable and healthy development plays an important role in the stable operation of the national economy.The core of the development is innovation,and the premise of innovation requires financial support.However,due to the characteristics of SMEs,such as light assets,unstable operation and so on,which lead to the difficulty and expensive financing,the development of SMEs is greatly restricted.Experts at home and abroad have put forward many constructive suggestions to solve this dilemma.Therefore,the development of financing guarantee model to solve the domestic SMEs,especially small and medium-sized enterprise loan financing problem is an important goal of the development of China's financing guarantee industry.Firstly,we analyzed the traditional financing mode,introduced the policy guarantee and the commercial guarantee mode respectively and compared them,then naturally leads to two kinds of Uni-Power Guaranty financing innovation model in Zhejiang: "bridge mode" and "Lu Qu model" and make a brief analysis to their development power and reason.Based on the UPG cloud service platform financing pattern case,comparing the model before and after the implementation of the company itself and the actual situation of the financing of SMEs,empirical analysis.Finally,the analysis and Research on the model of cloud financing service platform for the innovation and development of China's financing guarantee model,there are the following three enlightenment,are closely around the "service in small and medium-sized enterprise strategic positioning",is committed to solve the financing difficulties of SMEs the most deep-seated problems,namely information asymmetry and the integration of small and medium enterprises financing growth in the chain of information resources,combined with the implementation of information flow and resource flow.We hope obtain more effective way to resolve the problem of financing through the analysis of the mode.