Research On Financing For Small And Micro Enterprises Under The Internet Finance

Small and micro Enterprises, as an significant part of the national economy, play an important role in active market, employment creation and social stability and so on. However, financing difficult and financing expensive has been an vital factor of restricting its development.There are many reasons for small and micro enterprises financing difficult and financing expensive. According to the analysis, it can be divided into internal cause and external cause. The internal cause is the operating characteristics and financing management imperfect of the small and micro enterprises, while the external cause is the credit system and government support is imperfect, traditional financial institutions lack of incentives and other reasons. So the problem of financing for small and micro enterprises should be solved from the internal and external two aspects. The first is solving problems on information asymmetry to reduce transaction costs, the second is to reduce the cost of credit. Solving the problem of financing small and micro enterprises has practical significance from these two aspects, but from the point of view of the effectiveness of recent years has been difficult, it also illustrates the difficulty and complexity of the actual operation.With the rapid development of information and internet technology in recent years, the emergence of Internet financing to solve these problems has guiding meaning, and its innovative practices in small and micro credit has shown great vitality and bright future prospects. This article begin with the current situation of the financing of small and micro enterprises, combined with the characteristics of the Internet platform and big data to conduct economic analysis based on these characteristics. Then analyze the financing of small and micro enterprises under the Internet, and select Ali as an example to analyze the economic advantages and the advantages of transaction costs. Finally, based on the risk of the Internet banking small micro enterprise financing, from the four aspects of legal supervision, system construction, financial innovation and risk control deal with risk to improve Internet finance and serve small and micro enterprises.