Research On MSEs Internet Financing In The Case Of Beijing Huaren Tiandi Film And Television Planning Co.,Ltd.

Small and micro enterprises are an important component of China's economy,but their fund demand have not been effectively meet,they frequently difficult to get bank loans.In recent years,China's policies have been encouraging companies to innovate and develop,and constantly trying to explore ways to make small and micro enterprises develop healthily.To some extent,the emergence of Internet finance makes up for the lack of financing capacity of small and micro enterprises under the traditional channels.Nowadays,the development of Internet finance shows diversity.With the development of Internet finance such as internet loan,third-party payment,crowdsourcing and big data finance,the problem of financing for small and micro enterprises has been alleviated.At the same time,due to the lack of perfect laws and regulations and strict financial supervision,the development of these emerging Internet Financial Technologies has also brought some questions to the society.Only through the deep analysis of Internet finance used by small micro businesses,can they better solve the financing dilemma under the current economic background.Firstly,this paper analyses the current situation of financing of small and micro enterprises in China,the mechanism of Internet finance to solve the financing difficulties of enterprises and the specific ways of using Internet finance to finance small and micro enterprises.Then,taking Huaren Tiandi as a case enterprise,this paper introduces its Internet financial financing situation,analyzes its implementation effect of Internet financial financing,and the problems faced in the process of using internet financial financing.Finally,the article puts forward reasonable suggestions for improving the use of Internet financial financing by enterprises.The following conclusions can be drawn from the research of this paper:(1)Internet financial financing has certain advantages.The financing cost of small micro businesses is high,the cycle is long,and the channel is narrow.It is difficult to use traditional methods.Internet finance can solve information asymmetry,unbalanced credit rationing and lack of collateral for small micro enterprises,and provide new ways for enterprises.(2)Internet finance can produce better financing effects.This paper analyses the effect of Internet financial financing of Huaren Tiandi,and chooses the financial situation,financing cost,financing source and financing time of the company before and after financing as the criteria.Overall,Financing methods of Internet finance of Huaren Tiandi is relatively successful.Internet financial financing can help small micro businesses out of economic difficulties.It brings positive effects to enterprises.(3)Internet financial financing still needs to be improved.There are certain risks in adopting Internet financial financing,so we can not blindly adopt Financing methods of Internet finance.Companies should make rational choices in the light of their actual situation and social environment.The innovations of this paper are as follows:(1)This paper adopts the form of analyzing specific cases,and chooses the Huaren Tiandi which uses Internet Finance for three times.At present,the study on financing methods of small micro businesses has achieved some research results,but most of them are empirical studies or from the perspective of Internet financial platform.In this paper,case study method is used to analyze and study the way of using internet financial financing from the perspective of enterprises,which is innovative.(2)In terms of research content,most of the existing studies only focus on the problems faced by small and micro enterprises in the process of using internet financial financing.On this basis,this paper makes use of the specific effect of Internet financial financing to analyze from different aspects,and meanwhile,makes a more in-depth study of the problems faced by small and micro enterprises in Internet financial financing.