Research On The Public Service Platform For Network Financing To Minor Enterprises In ZheJiang Province

Minor enterprises in Zhe Jiang as a typical representative of Chinese minor enterprises development after reform and opening up, in the beginning of reform and opening up is the "experimental field" of the non-public economic system reform in our country. However, as China’s economic growth mode transformation and adjustment of economic structure, and a series of problems in Zhe Jiang province, minor enterprises financing in the process of economic transformation in Zhe Jiang province has always been difficult to solve the problem. Construct platform for local minor enterprises financing has become the common practices of the Chinese government to solve the problems of the minor enterprises financing, and use Internet technology on Internet financial development model to establish "the government’s leading" financing of minor enterprises network platform, minor enterprises in Zhe Jiang province is the first public service platform. This paper first analyzes the financing of minor enterprises network operation mechanism has an important realistic significance and the necessity of related research.In this article, the upper part mainly analyzed the Zhe Jiang province minor enterprises public service platform of network integrating platform for small and medium enterprises in the current situation of the financing process. Based on the financing of minor enterprises network operation mode dominated by the government to analyze problems and current situation of the development. Thus concluded that the government of Zhe Jiang province within the platform in the financing of minor enterprises to solve positioning inaccurate; Credit guarantee difficult; Risk management is not reasonable, the platform can’t external supervision; The lack of financing of minor enterprises network policy environment and so on a series of related problems. Platform, both inside and outside related problems led to the "crowd out", a large part of the minor enterprises in Zhe Jiang province minor enterprises public service platform is very difficult to give full play to the role of the financing for small and medium enterprises. In this part finally through the relevant data and using the principle of multiplier to accelerate the number of financing on platform operating efficiency and sustainability are analyzed.Second part of artical puts forward the corresponding solution measures, in financing platform network external environment construction: first, to strengthen the government leading role in platform operation. According to the actual situation of Zhe Jiang province, by the local government shall establish a local commercial bank as the leading minor enterprises equity trading center for supporting minor enterprises financing support local financial system, increasing government financial support to the financing of minor enterprises network. In the aspect of internal management platform: to establish a special policy Banks and platform external financial support system corresponding to the local minor enterprises(smes). Simplify the process of risk control, to establish a special platform of minor enterprises credit rating agencies. Unified credit evaluation standard, for later financing through the network to solve the financing problem of minor enterprises to provide the corresponding operational Suggestions.