Research On Small And Micro Enterprise Financing Mode Of Shangqiu City Under The Internet Financial Background

As an important part of the socialist market economy in our country,small and micro enterprises plays an irreplaceable role in economy development and social progress,it covers almost all industries and business fields in the market,and contributes significantly to advancing economic system reform,promoting employment growth and improving people's livelihood.It also restrains market monopolistic behavior to a degree and maintains the stability of economic environment.Small and micro enterprises of ShangQiu city develops rapidly relying on the advantage of “small boat is easy to change direction”,however,the problem of capital in shortage seriously limits its development,and there are factors such as information asymmetry,lack of efficient mortgage guarantee,imperfection of bank credit rationing policy,which adds intangibly difficulty of company's production and operation,making the financing channel of the company blocked.How to solve the financing plight of small and micro enterprises has been an “edge sword” hanging on the head,which bothers the development of small and micro enterprises of ShangQiu city all the time.With the arrival of the first year of Internet finance,the emergence of financing ways such as P2 P,crowdfunding and so forth eases the financing difficulty of small company.This paper is based on background of the development of Internet finance,takes the financing way of small company in Shang Qiu as studying object,uses methods of literature research ?questionnaire to analyze the present situation of their financing,looks for financing problems,analyzes the causes of difficulty,explores the breakthrough scheme to solve the problems,in order to set up an innovative financing mode for the small company in Shang Qiu and provide advices and suggestions to improve the financing present situation.