A Study On The Financing Model Selection Of A Food Company Under The Internet Financial Environment

The development in middle and small-sized enterprises change quickly in the modern national economy construction.These enterprises play an important roles in stimulate employment,maintain social stability and increasing devout for the national economy.The enterprise needs strong capital support in the different developing period which can make sure the successful targets achievement.However,the company will face the awkward situation of lacking capital which caused by the economy environment,capital strength,scale of operation,develop strategy and management level.These companies cannot get financial support from banks due to the information asymmetry between companies and banks and the imperfection of credit guarantee system.These companies have to seek private lending for help.Nevertheless,the cost of private lending is high and the irrational leverage made these companies suffering capital chain rupture.The bankrupt and flee away often appears in middle and small-sized companies.Even though the government has put up policy to help the credit financing and lower tax to these companies,the low service consciousness and lack of execute of traditional bank make it still difficult for these companies.At the meantime,with the development of Internet,the big data and cloud compute create the Internet finance.The Internet finance is based on the big data.The Internet finance is the new business mode which links the traditional bank with Internet service with high technology to create a new mode of finance business.The supply and requisitioning parts can use the Internet to match and recognize its information then finish the deal without the traditional intermediary agent and monopoly.Like the electric business Ioan,P2P internet debt and Zhongchou.There are many advantages like low cost,high efficiency,broad involved aspects,fast spread and etc,which make up the traditional financial organizations in great extent and largely relieve the current situations that financial difficulty in small and middle sized enterprises,low cost and etc.These features of the internet finance bring a favourable turn for the financing of small and micro enterprises.The research studies the influence of various financing theories and financing channels on small and middle sized enterprises,investigates the current situation of internet finance,analyzes and does case studies about patterns of the internet finance like petty loan of e-commerce,crowd funding,P2P internet loan and etc.Applied comprehensive inquiry,literature research and etc,the research analyzes current operation and financial situation in A food company,dissects the financial obstructs and analyzes the financial requirements of this company.To the different stages of the company's growth,design financial plans by applying various modes of internet finance,analyze and control risks then propose suggestions to help the company explore new way of the internet finance and further promote A company develop and grow healthily,steadily and continually.And also provide financial plan reference to other company like the A food company as well as provide new ideas to solve the trouble of financial in small and middle sized enterprises.