Research of Internet Financing Strategy of Small and Micro Enterprises

Abstract

With the rapid development of information technology and finance industries, Internet and financial double-acting become increasingly apparent. In both the role of the Internet financing is developing rapidly. Compared with traditional financing, Internet financing data is to the Internet-based, network as a platform to achieve the extension and expansion of traditional financial services. Internet finance in small and micro enterprises solve the financing problem on a great advantage. As for funding the demand side of small and micro enterprises, through the Internet financing costs, improve processes on, greatly reducing transaction costs and accelerate lending efficiency, can greatly enhance the rate of small businesses obtain financing. Small and micro business financing has always been a problem worldwide. In China, traditional commercial banks and other financial institutions, higher loan threshold so that many small and micro enterprises prohibitive, coupled with higher interest private loans, the financial pressure to survive in the cracks of small and micro enterprises are facing growing. With the maturity of Internet technology, especially mobile payment landscape, cloud computing and search engines have sprung up everywhere, the financial industry has undergone tremendous changes. Internet financing, once launched, because of its open, democratic, tolerant, convenient, efficient and targeted, and many other advantages, the industry is widely expected that it will effectively resolve A small, micro-enterprise financing dilemma of new ways for small and micro business is a huge opportunity for development.