A Study On The New Mode Of Small And Small Enterprise Financing Under The Background Of Internet Finance

In our country, small micro enterprise plays an irreplaceable force to stimulate the market vigor, promote employment growth and maintaining social stability after decades of development. It’s on the contribution of China’s current economic and also laid the groundwork for the sustainable growth of economy in our country. However, such important force has been ignored by financial institutions selectively in our country’s traditional financial service pattern, causes the financing difficulties of obstacles has become a stumbling block to its healthy development. Investigate its fundamental, small micro enterprise financing difficult dilemma in our country comes from the information asymmetry and the incentive incompatibility in risk management between commercial Banks and enterprises.Based on big data and cloud computing, emerging Internet technology applications in the financial sector has become increasingly in-depth, forcing traditional financial business quietly. Electricity companies such as Alibaba and Jingdong mall in the rapid rise in our country, and many of the large trading platform can master the small micro enterprise of the related data, by using the advanced calculation technology to process them, the value behind the deep mining data, to some extent, it can solve the problem of small micro enterprise information collection difficult. Visible, the wave of the Internet financial is to bring new enlightenment and small micro enterprise financing opportunities.In this paper, based on the background of the Internet financial, this paper puts forward a kind of bank, electric business, logistics "strategic alliance" new small micro enterprise financing modes. This model will be Banks, electric business, logistics, the three parties respectively has combined advantages of cash flow, information flow, logistics, give full play to its value to the integration of resources "marriage". Also is the core of the model of electric business and set up a joint logistics enterprise credit guarantee companies, bank loan guarantees for small enterprises. Secondly, the paper introduces the domestic and foreign similar small micro credit service case, for our country to implement the "strategic alliance" mode to put forward countermeasures and Suggestions. Hope that through research of this article, can help to break the bottleneck of our country’s small micro enterprise financing difficulties.