Research on Financing Mode of Small and Micro Enterprises in Internet Financial Environment

Abstract

In recent years, small and micro-enterprises flourish and become an important part of China economic development. However, information asymmetry and transaction costs have always affected the development of small and micro enterprises. The emergence of Internet finance just solves the problem of financing difficulties. By using cloud computing, big data and computer technology, we can broaden the financing channels of small and micro enterprises, thus reduce the information asymmetry and transaction cost, and become a new way of financing for small and micro enterprises. This paper divides the financing mode into crowd-funding platform financing mode, P2P platform financing mode, internet financial portal financing mode, analyzes the Internet finance and small and micro enterprise financing, and proposes countermeasures to promote the financing development of small and micro enterprises.