Research On Diversified Financing Service Platform Of Small And Medium-sized Enterprises From The Perspective

At present,our country is at the key period with the supply side structural reform as the main line.Under the new normal economy,small and medium enterprises are important parts of the socialist economy with Chinese characteristics in the new era.It is also an important part of the implementation of the strategy of mass entrepreneurship and innovation.And the adjustment of industrial structure plays an important role in the main force.However,as an important innovation driving factor to promote the development of China’s economy,the development of small and medium-sized enterprises is still difficult,and financing difficulty is one of the important factors that restrict the sustainable upgrading and transformation of SMEs.How to solve the financing difficulties of SMEs is an important question to be solved.The study of line system provides an important basic theory support for improving the new connotation and new thinking of the financing problem of small and medium enterprises,and provides new ideas for promoting the cooperative development of small and medium enterprises and financial institutions.This paper takes the multi financing service platform of small and medium-sized enterprises as the research object under the innovation driven perspective.Through the analysis of the financing situation of small and medium enterprises in China,this paper sums up the main problems that exist at present,and further studies the reasons for the financing difficulties of small and medium-sized enterprises in China.On the basis of the in-depth analysis of the construction needs of the multi financing service platform for small and medium-sized enterprises,the system structure of the multi financing service platform for small and medium-sized enterprises is set up,and the operation mode of the multi financing service platform of small and medium-sized enterprises is innovatively proposed.The main contents are as follows:(1)introducing the basis and background of the topic,the purpose and significance of the research,clarifying the necessity of the construction of the financing service platform for small and medium-sized enterprises;(2)systematic research on the basic theory of multiple financing for small and medium-sized enterprises;(3)through the analysis of the present situation of the financing of small and medium-sized enterprises in China,the current existence of the main existence is summarized and summarized.In order to solve the problem,(4)on the basis of in-depth analysis of the construction needs of the multi financing service platform for small and medium-sized enterprises,the system structure of the multi financing service platform for small and medium enterprises is set up;(5)the "5S+1D" mode of the multi financing service platform for small and medium-sized enterprises is put forward.(6)the main conclusions of the paper are summarized,and the main innovations and limitations are summarized and analyzed.Finally,the research prospect is put forward around the research area.The main points of this study are as follows:(1)on the basis of the analysis of the financing situation of small and medium enterprises in China,the reasons for the financing difficulties of small and medium enterprises in China are further studied.The external reasons are mainly including the imperfect social credit system,the imperfect capital market system,the increasing financing cost and so on.The main reasons lie in the internal governance structure,the degree of enterprise management standardization,the uncertainty of enterprise development and the credit of small and medium-sized enterprises.(2)the system architecture of the multi financing service platform for small and medium enterprises is built,and the systematic planning is made on the three levels,such as the database layer,the operating system layer and the application layer,and the key advantages of the multi financing service platform for small and medium-sized enterprises are further analyzed.(3)the "5S+1D" operation mode of the multi financing service platform for small and medium enterprises is put forward."5S" is the 5 stages in the multi financing service process of small and medium-sized enterprises,which are the customer development stage,the demand analysis stage,the plan formulation stage,the financing implementation stage,the financing evaluation and tracing service stage,and the "1D" is through the whole process.The risk control dimension of financing service cycle carries out risk control and management for the whole financing process.This paper studies the multi financing service platform for small and medium-sized enterprises.Through the integration of information resources,the specialization of financing tools,the systematization of financing services,standardization of financing process and the controllability of financing risk,the financing difficulties of small and medium-sized enterprises are solved in order to meet the development needs of financial institutions as the supply side of funds at the same time.And the growth needs of SMEs on the demand side,which provide decision-making basis for the scientific matching of SME financing needs and financial institutions.