The Research Of Agriculture-related Enterprise Financing Based On Internet Finance

The realization of Globalization is largely due to the development of the Internet technology, and Internet banking is generated in the background of the economic globalization. Internet banking is a new online trading mode by using Internet technology and financial industry. The new mode not only saves transaction cost of both sides, but also can promote the development of the internet banking. At present,90 percent of enterprises in our country are small and micro enterprises, and they are impeded by many factors when they apply for financing, for example:pawn and high financing threshold. But the emergence of the Internet finance makes up the deficiency of the loans system so that can meet the financing needs of small and micro enterprises, especially the financing needs of agriculture-related enterprises.The study first analysises the strengths and weaknesses of internet banking deeply through the current development of internet banking,then under this ground, analysises the problems encountered when the agriculture-related enterprises financing. Through the comparative analysis of the representative Agricultural Internet financial platform like " IFAD loan" and the products of ordinary internet banking platform. At last the solutions is put forward combined with theoretical knowledge.At present, the problems existing in China's internet finance are following:first internet finance develops rapidly, but the laggard hardware facilities impedes the development of internet finance; second the development of internet finance is imbalance, for example southeast coast and central region develops rapidly but the western region is contrary; third the radiating area is limited by the finance business of existing platform; fourth the trust system is not perfect, so the trust risk breaks out.The financing of the agriculture-related enterprises is influenced by the existing internet banking's problem, thus the utilization rate is not high, agricultural enterprise financing demand can not be met and so on.Therefore the government, enterprises and internet platform need cooperate to create a favorable financial environment for the Internet, under such circumstances the public confidence for internet finance platform can be rebuilded. with the establishment of theChina's Internet Finance Association, China's Internet banking will truly move toward standardization.