Research On Small And Mid-sized S&T Enterprise P2P Financing Model

The High-tech SMEs has an important role in the process of the development of the national economy. They can creat jobs and enhance the creativity of the whole society and promote the social and economic transformation. They are extremely active power, especially under the new history tide. The High-tech SMEs play a more important role now. But in the real environment, the financing problem has been restricting the growth of the High-tech SMEs, how to solve the problem of financing constraints has been the difficulty of academic research. Aiming at this problem, the academic circles has been proposed financing theory of enterprise life cycle, supply chain financing theory and trapezoid financing theory and a variety of theories and solutions, but there are still limitations. With the Internet banking, network security and data industry production and growth of, P2P financing model has become the focus of social circles, business circles and theory circles, then from the point of view of science and technology type small and medium-sized enterprise own point of view, it should be how to use P2P finance financing model?The paper builds a financing system of financing main bodys, running mechanism and motivation mechanism. The conclusions are:Firstly, by financing mode of P2P constitute the main body, running process and dynamic mechanism analysis, and the practice in the HBSC company as an example, discusses P2P financing mode, and the financing plan, enrich the SME financing theory. Second, the SME financing P2P mode is through the massive information, low cost, short time, flexible and efficient way to help enterprises achieve the goal of financing. Through the analysis of the HBSC company’s financing process can be found, P2P financing model has been in the growth and development of some small and medium enterprises.The innovation of the paper is mainly reflected in by exploring P2P financing model, it is pointed out that the new financing means to effectively break the boundaries for SME financing, to alleviate the problem of financing constraints. At the same time, the paper on the analysis of P2P model on the basis of SME financing practice, summed up the operation procedure of the P2P financing model, and then puts forward the demand side, financing service side, capital supply side, and intermediary services, policy support the dynamic mechanism that P2P financing system dynamic mechanism. With the help of internet, P2P financing model can ease the financing difficulties of small and medium sized enterprises.