Research On The Mechanism Of Internet Finanicial Services For Small And Micro Enterprises

Since the rise of Internet finance,a lot of small and micro enterprises have an important aspect in improving market employment rate,promoting economic development,and promoting scientific and technological innovation by virtue of their flexibility,pioneering and innovative.Many scholars have explored new ways of financing in this field.Although most of the research on Internet finance focuses on the P2P operation mode,few cases are involved.The case analysis is mainly aimed at the companies that carry out personal consumption loans or e-commerce loans.Few companies support the financing of multi-industry small and micro enterprises conduct research.This paper discusses the practical application of Internet Finance in financing of small and micro enterprises,especially the innovation in the supply chain of small and micro enterprises,and analyzes the risks in the operation of small and micro enterprises,which can be used as a good reference for similar enterprises.From a new Angle of Internet finance,this article want establish a small and medium-sized enterprises Internet financial loan system as the maior aspects,taking Yingying financial management as an example,pioneering a variety of Internet financing models for systematic in-depth demonstration and research,and put forward some innovative ideas.Firstly,this paper discusses the traditional financing mode and existing problems of small and micro enterprises;secondly,it analyzes the mechanism of Internet finance supporting the financing of small and micro enterprises,and the practical application of Internet finance in the financing of small and micro enterprises,and further compares the operating mode,product mode,risk control mode of profit and profit management platform with other lending platforms.The conclusions show that:(1)With the intervention of government supervision,the Internet financial financing model tends to be small arid scattered,and the convergence with small and micro enterprise financing is getting higher and higher.Internet finance provides an effective solution to the financing dilemma of small and micro enterprises with its unique advantages.(2)The P2P platform based on real financing needs,and the Internet financial services based on e-commerce platform transactions,orders,evaluation and other data,will have better development.Yingying financial management Internet financing has been successful,but there are also some problems.The author believes that Internet finance serves small and micro enterprises.On the one hand,it is necessary to improve the government's supervision mechanism and establish a credit system for the whole society.On the other hand,Internet finance companies should actively cooperate with Internet platforms that have rich operational data,such as e-commerce.Classes,SAAS ordering cashiers,Internet cafes operating platform,etc.,to make up for their own risk control flaws,and use the advantages of the Internet to greatly improve the efficiency of borrowing,better serve small and micro enterprises.In addition,this article details the financial products of Yingying financial management and five Internet platforms.,so as to provide guidance for similar companies to support the financing of small and micro enterprises in the new stage of Internet finance.