Research On The Financing Strategy Of H Company Under The Background Of Internet Finance

In the current economic environment of China,small and medium-sized enterprises have become an important factor to enhance economic vitality and encourage development and innovation.Especially in accelerating technological innovation and guaranting people’s basic employment,it plays an important role,such as promoting college students’ employment and promoting product upgrading innovation,and they are also an effective supplement to China’s economic system.There are many high-quality small and medium-sized firms in China.They have the ability of Science & Technology innovation and independent R&D,and have many patents and have great development prospects.However,the financing difficulties of small and medium-sized enterprises often limit their future and vitality,which is the resistance and bottleneck of their development.The causes of this phenomenon are decided by the characteristics of SMEs,such as light assets,small production scale,lack of effective collateral,and the related financial system is not standardized and credit is not high.On the other hand,due to the external financing environment is still to be mature,there is no preferential policies for SMEs financing,especially financial support.Especially since the outbreak,whether small and medium-sized enterprises can be financed,is also to determine whether the enterprise can survive.Among them,the problems of this type of scientific and technological SMEs are more obvious.They rely on technology research and development and technology transformation.The investment in scientific research is more important.Therefore,they often need a lot of funds to support the early research and development investment.For the small and medium-sized enterprises of science and technology,the less abundant funds are under pressure.It is applied to Internet technology and relies on the Internet platform.Internet finance has the advantages that traditional financial channels can not compare in solving information asymmetry and getting rid of time and space constraints.The innovation and application of Internet Finance provides an opportunity for small and medium-sized scientific and technological enterprises to ease the capital tension and break through the bottleneck of financing difficulties.First,the paper presents the survey background of the application of Internet technology finance,clarifies the nuance of the research on the adoption of Internet banking by SMEs,Explain the theoretical basis of mutual firm financing at home and overseas and the lately research identity of Internet banking,collects the At home and abroad enterprise financing doctrines,combs the research results of Internet finance,and serves as the reference for the study of H company’s Internet financing.The concept of Internet finance,the concept of science and technology-based small and medium-sized enterprises are clarified,and the main Internet financing applications are discussed.Secondly,the corresponding basic theories of this paper,including information asymmetry theory,long tail theory,financing order theory and corporate financial growth cycle theory,provide theoretical support for the later study of H company financing.Thirdly,taking H company as an example,this paper introduces the financial situation of H company,and uses AHP to sort the existing financing channels of H company,analyzes whether the Internet financing of H company is feasible,contradistinctions and analyzes the weaknesses and Strengths of each Internet financing channel,obtains the Internet Financing channels consort for H company,and then puts forward the scheme and Countermeasures to improve the financing status of H company.Finally,the paper puts forward the supporting measures for H company to adopt the Internet financing proposal,elaborates from the enterprise itself,industry self-discipline and government,and obtains the opinions and suggestions,which provides guarantee for H company to alleviate the pressure of short-term capital flow,promote the development and growth of H company,and also provide reference for other such companies to adopt the Internet financing suggestions.