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

In the Chinese enterprises,large and medium-sized enterprises accounted for less than 10% of the total number of enterprises,especially in the current state to reduce the threshold of the context of corporate registration,small and micro enterprises to further enhance the proportion.At the same time in the national economy plays an irreplaceable role,for today's social innovation and entrepreneurship into strong vitality.However,the plight of small and micro enterprises in the financing of its development is increasingly apparent,financing and financing of small and micro enterprises to the development and expansion of the negative impact can not be underestimated,and even the relationship can continue to survive.The problem of small and micro enterprise financing difficulties is not only in China,the whole world is difficult for this problem.Many well-known scholars at home and abroad are small micro-enterprise financing difficult and expensive financing issues in-depth exploration and analysis,we agreed that the cause of this dilemma is mainly small and micro enterprises themselves and external objective two reasons.From the perspective of small micro-enterprise itself,mainly its financial position,management level,operating conditions and other information is not transparent,and the lack of effective security collateral.From the external objective point of view,mainly the central government for small micro-enterprise financial incentives implemented in place,the domestic credit system is not mature,the traditional financial services institutions for small micro-enterprise financing policy system is not enough concessions.To solve these problems,we need to reduce the financing transaction costs and borrowing costs in the fundamental cause of information asymmetry between the borrowers and the borrowers.Although this year,all levels of the country have introduced a variety of positive programs to alleviate the problem of small micro-enterprise financing,but from the actual situation,not fundamentally resolved.Therefore,only the innovative financing model,in order to fundamentally solve the small micro-enterprises and financial services between the financing conflicts.At present,with the cloud computing,large data as the representative of the Internet information technology in the depth of the financial industry,resulting in the "Internet + financial" new model.This model has made a positive attempt to broaden the financing channels of small and micro enterprises and enrich the financing mode,which has a good effect that traditional finance can not achieve.This paper will analyze the current situation of small and micro enterprises in the traditional financing mode,and discuss the new mode of small and micro enterprise financing under the Internet financial model.Finally,the paper analyzes the risk of small and micro enterprise financing under Internet finance,and gives the perfect suggestion.