Research On Risk Control Of Financial Services For Small Enterprises By Internet Banking

With the development of market economy,small businesses like the bamboo shoots after the rain continue to emerge,has become a force for economic development,it is in increasing employment opportunities,promote innovation and development,stable economic growth has played a very important role.With the continuous expansion of the scale of its operations,the growing demand for funds.At present,due to the small business is not stable,small size and financial situation is very opaque,can be used as collateral to the traditional financial institutions assets less and less,get loans more difficult,affecting the development of small enterprises.For the development of small enterprises to ensure the success of financing,access to business needs liquidity,only through private lending.However,the high risk of private lending,foot phenomenon has occurred,so that financing can not be effectively protected,the development prospects are not optimistic.With big data,cloud computing technology is developing rapidly in the capital market,the emergence of Internet finance,such as electricity providers of small loans,P2P,the third party payment,Internet banking,Internet financial institutions to raise public mode,provides a new channel of financing for small businesses.Due to the transparency of the Internet financial institutions,access to low-end,flat form of operation and the characteristics of the network,so that it is convenient to handle the financing procedures.For the financing needs of small businesses to bring new financing channels and channels,to a certain extent,ease the small business development problems faced by the financial pressure,so that it can better stable development.Internet financial enterprises in China's financial markets continue to grow and develop,the rapid access to the majority of investors and financial needs of the favor and support.Although the Internet banking has a unique advantage,but because of the new things just started also contains great risks in recent years,we found that Internet financial enterprises risk events emerge in an endless stream to provide financing services,so in small businesses,the Internet financial enterprises is essential for risk control.This paper through the systematic analysis of the Internet financial enterprise development model,the present situation and problems,from the source of funds,the platform of technology management,the level of business loans and credit status three aspects are discussed,and the introduction of a typical case data of Internet financial enterprises Hongling venture capital and financial credit risk of small ants.To explore the depth of the Internet financial enterprises to provide financing services for small businesses,the final credit from the establishment of the database,careful selection of loan guarantee agencies,cooperation projects,the establishment of the risk reserve,the Internet financial risk control to provide financing services to small enterprises put forward reasonable suggestions.