Through The Analysis Of Ali Small Loan Financing Business To Solve The Financing Difficulties Of Smes New Ideas

For an enterprise,capital is the blood flowing in blood vessels.Small and micro businesses as the capillaries of our national economy,is an important part of the socialist market economy,playing an irreplaceable important role in Chinese economic development and social progress.However,the plight of financing difficulty has been restricting the development of small and micro businesses,being a "blade" hanged on the head of small and micro businesses.At the same time,because of the asymmetric information problem,small and micro businesses lacking of collateral,the traditional financing model can't solve the problem.With the rapid development of network technology,the rise of big data and cloud computing has brought about new changes to traditional finance.Relying on large data and cloud computing,Internet finance combines "information flow","capital flow" and "business flow" to meet the multi-level financial needs of the merchants.In order to.provide better financial services to merchants on the platform,Ali group has set up a number of microfinance companies.For a long time,relying on accurate target positioning,fast business process and low cost of handling,providing financing facilities for the merchants on the platform,the rapid growth of credit services,greatly alleviated the financing dilemma of the platform merchants,and became a model of the small loan field.In this paper,under the background of the Internet,small micro enterprise financing business inquiry as the main line,combining with the development of microfinance,by studying the operation mode of the small loans,ali using classical SWOT,explore ali model of small advantages,weaknesses,threats and opportunities,finally discussed to solve the financing difficulties of ali small loans improvement measures.