Research On Financing Of Small And Medium Sized Enterprises Under The Internet Financial Model

In recent years,with the rapid development of Internet finance,the financing channels of small and medium-sized enterprises have been constantly broadened,which provides help to solve their financing problems.Small and medium-sized enterprises play an important role in promoting the economic development of our country,but there are still many problems to be solved,such as financing difficulties,development difficulties and information asymmetry,which seriously hinder their better development.With the rapid development of Internet finance,it provides convenience for SMEs to finance,and promotes these problems to be solved better.In this context,it is of great significance to explore the financing problems of SMEs and Internet finance in order to better alleviate the financing difficulties of SMEs through Internet finance.This paper analyses the financing of small and medium-sized enterprises.While analyzing the causes and essence of the financing difficulties of small and medium-sized enterprises,it also explores the advantages of Internet financing rationally,and introduces three cases of Internet financing which have great influence at present.At the same time,it puts forward opinions while deeply analyzing the cases,which will help promote the financing of small and medium-sized enterprises to advance better.That's ok.Relatively speaking,Internet financing mode is more convenient and efficient than traditional financing mode,which enables SMEs to obtain loan funds in a short time and inject vitality into their development.For the traditional financing mode,because of its high conditions and high threshold,many small and medium-sized enterprises can not meet their standards,thus unable to obtain loan funds.The advantage of Internet financing platform is that it has very strong technical ability.It can solve the information asymmetry between SMEs and suppliers reasonably through the application of big data and cloud computing technology,and it can also promote the process of loan auditing to be more convenient and shorten each one.The running time of the links can effectively reduce the total cost.However,through the analysis and exploration of the current three main Internet financing modes,we can see that although they can better solve the problems of financing expensive and difficult for SMEs,they also have corresponding "short board" on the whole.In order to promote their better development,they need to be more comprehensive.Innovation.In the case study part,this paper takes Ali network joint guarantee loan,roll call time,patronage loan as a case to analyze its specific operation mechanism,detailed financing process and risk management and control,so as to fully present the advantages and disadvantages of Internet financing.By introducing these cases,this paper makes the research more operational,and puts forward effective ways to improve the Internet financial model combined with its specific practice.