Research On The Financial Problems Of Small And Medium-sized Enterprises Based On The Internet Financial

Facing to the market competition,the small and medium-sized enterprises(SMEs)in our country not only need to overcome short life cycle,suffering the insufficient core abilities and the limited market share.But the hardest thing is that they must get more support of the funds during development process.Through the research of development of SMEs,finding out their survival situation,analyzing the reasons of financing difficulty to SMEs and concluding the advantages and problems of internet financial modes.Finally,this essay points out that the internet financial models need to insight into the industries as a starting point,deepening the industry characteristics,forming the industry internet financial service mode,solving the financing difficulties in industry.Firstly,through the research of SMEs' present financing situation and the financing models,they always use direct financing and indirect financing models to alleviate the financing pressure.Direct financing is limited by the narrow channels,lower amounts,it will be used as the priority choice when the enterprise is founded.With the development of enterprises,bank loans gradually occupied the main position.However,the SMEs get the bank loans even more difficulty because of information asymmetry.Due to gathering widespread information,cost control,risk management difficulties to the SMEs,it will be a good way to solve the three questions in order to overcome the financing difficulties.Secondly,when the cloud computing,big data and emerging technologies develop faster than ever,they are used deeper to improve the traditional finance experience and a new vocabulary is created which is named internet financial.In P2 P network platform,the raise,big data financial loan mode get a higher development in our country,the platform operators have mastered huge trading data,by means of the advanced calculation methods,they can dig more deeper value from trading data,get more business formation of SMEs.To some extent,these activities help to gather more information of SMEs to cooperators.Helping financial institutions to effectively control the cost of information collection with the aid of platform channels to reduce loan risks.Visible,internet financial provides a new choice for SMEs in financing methods and channels of cooperation,providing a new opportunity to gain financial funds.Once again,through the analysis of the current status of internet financial services platforms,summing up the platform exists homogenized competition,illegal loan fraud,illegal lending,insecurity of the platforms.Based on this kind of phenomenon,this paper puts forward for industries to provide a new mode of internet financial,designing the involving ways to different cooperators,establishing industry database of the SMEs' basic information,business trade and so on.Building up the internet financing network of industries,through the information sharing,credit rating system,money supply and demand matching,finance supervision and risk control measures.Making whole business process of the credit risk under control and reducing the SMEs' financing cost,solving the financing problem in the end.Finally,this essay takes oilfield services industry for example,testing the application of industry internet financial feasibility,hoping for providing experiences in industry internet financing solutions for reference in other industries.