Research On "Internet Plus" Small Micro Enterprise's Credit Financing Innovation Model

In recent years,the Internet technology promotes the development of the nation's economy.Our country attaches great importance to technological innovation of the Internet."Internet plus" program was written in the "government work report" in 2016.The 18th CPC National Congress also proposed to further the Internet technology and traditional financial integration and the development of inclusive finance.Small and micro enterprises are an important part of the national economy,especially in the downward pressure on the nation's economy.They absorb a large number of employment population,social stability and have made outstanding contributions to economic growth.However,the financing difficulties of the small and micro enterprises have hindered its development and the traditional credit model discriminated against the small and micro businesses.There are also many shortcomings,unable to meet the financing needs of them,and the development of the new Internet financial model is not mature and lack of normative.To solve the financing difficulties,the Small and micro enterprises also need to explore a new model,"WangLeDai" and other new types of credit products provides wealth case resource for the construction of the new credit models.The research starts from the new financing practice of the small and micro enterprises,and extract key elements in the practice of financing,to construct the "Internet plus" small micro credit financing mode.During the course of the study,we use the method of case study and comparative analysis,and select the practice financing of HuaJie company applying for China Minsheng Bank as a case.On the basis of the practice,we start from both funds ends of the supply and demand,comprehend the cash flow and turnover form,analyse the internal mechanism of financing operation platform security mechanism,and extract the core elements,to build the new financing mode called "mobile micro loan".This model not only improves the existing credit financing model,but also provides an effective way to solve the financing difficulties of the small and micro enterprises.