| Small and medium-sized enterprise financing difficulties of small and medium-sized enterprise development is restricted by the difficulty. In recent years, the electricity business small loans, the rapid development of P2 P, the raise of Internet financial provides an opportunity to solve small and medium-sized enterprise financing difficult problem, to a certain extent, solves the small and medium-sized enterprise financing difficult problem. In this paper, on the basis of domestic and foreign scholars study, committed to the development of the Internet financial support to small and medium-sized enterprise financing of investment and financing mechanism of research, based on the corresponding theory, by means of the Internet financial support to small and medium-sized enterprise financing present situation analysis, obtained the following conclusions:(1) in small electric business model, there is capital source of legitimacy, high leverage, and record data distortion problems;(2) in the P2 P network model, capital matching success rate is low and high XiFei problems;(3) in the raise pattern, there is a high incidence of fraud, increased difficulties of investor protection, and easy to get involved in illegal financial activities and platform risk accumulation. On the basis of these problems, and then from the Internet into the mechanism of financial support for small and medium-sized enterprise financing, operation mechanism, risk prevention mechanism three aspects of Internet financial support to small and medium-sized enterprise investment and financing mechanism, it is concluded that promote Internet financial support to small and medium-sized enterprise financing the following conclusions:(1) Improve the credit system. Bluet a credit system for SMRs to adapt, improve our credit system.(2) establish the Internet financial risk- sharing mechanisms and risk prevention mechanisms.(3) Improve self-discipline. By improve the industry access, improve the self-discipline to improve the self-discipline. Through this study in order to better safeguard the development of the Internet financial, make Internet financial can better play its role, a good complement to become small and medium-sized enterprise financing and to promote the rapid development of economy in our country.Main innovation point of this article is:(1) the topic is relatively new point of view, this paper combine the Internet finance and small and medium-sized enterprises, small incision, selected topic novel;(2) systematically pointed out that the development of the Internet financial support to small and medium-sized enterprise financing mechanism. Internet financial as a newly emerging thing in our country, most of domestic related research stay in patterns, problems, risk and regulatory level, systematically pointed out that the development of the Internet financial support to small and medium-sized enterprise financing mechanism research. |
