Design Of Internet Financial Financing Scheme For Smes Based On The Perspective Of Financial Asset Exchange

No matter it's in Britain or in the United States and other developed countries,or developing countries,such as China,small and medium enterprises(SME)are indispensable for the national economy and it plays an important role as a pillar,it's an important force to promotes economic and social development.However,the difficulties of small and medium enterprises for a loan have been restricting the development of China's SMEs.How to provide more channels for SME financing activities to ensure the smooth development of SMEs has become one of today's important topic.This thesis briefly introduces the current financing situation of small and medium-sized enterprises in China,analyzes the causes of financing difficulties of SMEs,and puts forward the advantages and characteristics of Internet finance,such as targeted,universal and so on,which can increase the financing options for SMEs to provide more advisory services.Also,design Internet financial financing program for the small and medium enterprises in specific circumstances.It's significance to promote the financing of SMEs.Besides,from the perspective of financial assets exchange,the author,by combining its business advantages with Internet finance,designs three transaction models as divided by asset categories: transfer of receivable creditor's rights,transfer of the rights to proceeds of bills,and transfer of the rights to proceeds of project,and respectively analyzes the compliance of the three models to ensure that they are compliant with China's current legal requirements.This thesis further proves the feasibility and flexibility of the transaction models with three practical cases.Finally,the author puts forward relevant suggestions based on the current financing difficulties of SMEs and the problems encountered in product design and application from the perspective of financial assets exchange.In terms of policy,the government shall further refine the relevant provisions and support policies of SMEs financing,and issue relevant guidelines in view of emerging Internet finance to provide the legal reference basis for the financial assets exchange.SME owners shall improve their own management level,establish scientific and rational management structure,and attach great importance to corporate credit image,in order to create a virtuous circle for the financing of SMEs.Based on the problems encountered in two projects implemented by the financial assets exchange,the author proposes that big data analysis is helpful to alleviate the issue of information asymmetry,and suggests that Internet enterprises shall conduct data interchange to build a more accurate risk control model to realize real-time risk monitoring.