Research On The SMEs Network Financing In China

Till recent years the important of small and medium enterprises(SMEs)has been well understood and it has been an important impetus to the development of our economy.The growth of SMEs not only play an important role in China’s GDP, but also good to solve the employment problem. Although, SMEs has played a very large role on our economy, in it development process also encountered many obstacles. Especially the financing problems, restrict the healthy development situation.On the current development situation, SMEs mainly Financing way rely on banks and other traditional financial institutions, Small loan companies and some private lending and so on. With the rapid development of the Internet financial industry in recent years, a variety of network financing has gradually become the choice, bring a new financing way to SME. Network financing can not only reduce the cost of financing for SMEs, but also can improve efficiency and shorten the financing time. Compared with the traditional financing model, they are good to the development of SMEs. As a new thing. Network financing do really exist many benefits to SMEs, but when SMEs use this way to financing there have been a lot of problems. How to solve these problems it come to the top priority, let network financing better service for SMEs.This paper studies the network financing of SME, first describes the research background and significance, it describes the theoretical basis of the relevant research status at home and abroad, analysis the main contents of the framework of this article. Then from the financing status of the network financing, describes the rapid development of the network financing in past two years. In particular, it is a substantial increase in the number of platforms and the total trading volume for the last year. From the network status of development financing, to describes the trend outlook of financing network from Regulation, funding, platform three aspect, On the whole, has Hold positive attitude to network financing future development. Then analyze the current situation of SME current use network financing, the applications increasing every year to SME using network financing. Compared with the traditional financing model, Financing network has its unique advantages. Play a big role on Financing difficulties of SMEs, but still does not solve the fundamental problem of Financing difficulties of SMEs. Although the network Financing has developed rapidly, but there are still a variety of problems when SMEs use network financing. Especially in recent years, the increasing of problem platform in network financing, there are more and more bilk and flee problem platform, caused a bad influence to SME financing. For appear this problem when SMEs using the Internet financing, this paper make a suggestion form Network financing, SMEs and government three aspects. By constantly sum up, reflect accumulated Improve the network financing platform, in the development of their own at the same time so that it can better serve our SME financing service. Advantage that it can really solve the financing problems of SMEs. State regulation of the Internet financial has also been strengthened, last year had issued two guidance, it illustrates the regulators pay affirmation attention to network financing. Strict supervision to make network financing more standardized, they can accord to the law, in the Future, Network financing can play a greater role on SMEs to solve the financing problem.