Research On The Internet Finance Model From The Perspective Of The Financing Of Small And Micro Enterprises

Small and micro enterprises play an important role in promoting China's economic development,creating a great many jobs.However,there are some constraints in their development because of the influence in institutions and environment,such as less financing channels,great difficulty,low information level,lack of clear policies developed by the government,which have many restrictions on the development of China's small and micro enterprises.With the rapid development of the Internet technologies,E-commerce is becoming more and more influential,Internet finance has emerged as a new type of financing model.The financial service of this model which has implemented credit loans is characterized by high efficiency,convenience and low cost.It is greatly more innovative than traditional finance.Based on the financing situation of small and micro enterprises,this paper analyzed the innovation and exploration of Internet finance in providing financial service for China's small and micro enterprises.Based on previous researches,firstly,this paper analyzed the difficulties which small and micro enterprises facing in traditional finance.The paper pointed out that the emergence of Internet finance has brought opportunities for the financing of small and micro enterprises.Secondly,this paper analyzed the characteristics of the current four main Internet finance models,and selected four mature Internet financing platforms: Aliloan,CreditEase,AngelCrunch and Rong360 to further contrastively analyze from the aspects of operating mechanism and innovation points and existing problems of platforms.To analyze the advantages of different Internet finance models in providing financial support for small and micro enterprises.Furthermore,the paper put forward the optimized measure for the innovative development of Internet finance and the better ways to solve financing difficulties of small and micro enterprises.Finally,the author summarized the conclusions of this paper and put forward prospect for future research.