Research On The Application Of The Internet Finance Mode In The Small And Medium-Sized Enterprises Financing

Modern information technology more and more developed, to the global Internetfinancial development has brought the huge commercial value, the advent of theInternet era the Internet Financial another step in higher. Among them, as is therepresentative of the Alibaba loan platform service, but has not yet been fullydeveloped, every process continues to reform. In this information data overflowenvironment, development of Internet finance brings new opportunities to theeconomic and social, it can automatically handle people record commodity tradingand other services in the data on the network, and to classify statistics, thuscompleting the transaction information to distinguish integration, can be evaluated atthe customer credit rating, so more convenient information judgments of decisionmakers, successful completion of the electronic transaction process. The financialindustry and the Internet connection not only in this respect, the interaction betweenthem can also, between information processing network effects produced by thenetwork and the financial industry, can form a mutually proportional mode, wordsinformation processing network effect is even more effective.It is not be ignored that financial industry itself is risk, processing network effecton financial information has a positive effect, but also the risk of the financialindustry have a negative effect, therefore, people have to worry about this problem,after a long time of run in, develop the best treatment the financial industry is tofurther regulate the financial market. Because the external risk influence, even after aseries of measures of Internet financial enterprise development is difficult in thisenvironment, security or there is a big problem. Another argument is that, even if thedevelopment of the Internet Financial again how advanced the development road, onthe future will not be alone in the development of the individual, its developmentmust rely on the traditional financial industry, integrated into the whole financialindustry trade data in comprehensive. In fact, successful small Internet financialcompany has developed in the present situation, the most representative is Ma Yunfounded the Alibaba, the pace of development in recent years Alibaba rapid, this is due entirely to their established data base and construction, cloud services in thefuture, this result only will be getting better and better. The construction of theInternet finance is based on business practice, only by a lot of commercial practice toexplore suitable for their own road of development, this thesis is to Alibaba lendingplatform and the Wenzhou folk loan registration service center for business practiceexample, deep into the relationship and development prospects between InternetFinance and SME loans financing, and put forward to adapt to small andmedium-sized enterprises in the use of the Internet financial way.