| Crowd-funding is not only the inevitable result of the development of Internet banking,but also an inevitable requirement for the development of small and micro enterprises in china.According to the country’s third economic census shows that 95% of China’s enterprises are small micro-enterprises.These small micro-enterprises for our country contributed 30% of GDP,while providing 50% of our jobs.Small and micro enterprises is the main force to promote China’s social and economic development.However,due to its limited size,90% of the small micro-enterprises can not get bank loans,almost no direct financing.Financing difficulties and high cost of financing is a serious obstacle to the development of small and micro enterprises in china.Because of the low financing threshold and the speed of financing,it can provide a new way to solve the problem of financing small and medium enterprises in China..In this paper,the author analyzes the present situation and the financing mode of all the industries in China,and further proves that the financing is a feasible financing channel,which can effectively alleviate the financing situation of small and micro enterprises.In addition,the author from the economic point of view,put forward equity financing is the small micro-enterprise financing the best choice.However,due to the co-financing model derived from the developed countries in Europe and America,its good operation is by the perfect legal system,a stable financial market and a sound credit system to protect.And the public in China started late,with the corresponding legal system design and regulatory mechanisms are not perfect,therefore,this emerging financing model also exposed many problems and risks.Coupled with the openness of the Internet itself,which makes the risk of financing than traditional financial risk is more complex.Legal risks,financial security risks,credit risk and network security risks are prevalent in the financing industry.Risk management is risk avoidance,risk prevention,risk retention and risk transfer.Risk transfer is the most effective risk management method.Insurance is one of the means of risk transfer.Insurance as a professional risk manager can formulate insurance plans,design insurance products,provide a wide range of insurance services to effectively assist small micro-enterprises and public platform for risk assessment,to avoid,prevent and resolve risks,to ensure that small businesses Raise the platform at a controlled cost,to prevent the huge losses suffered.At present,the insurance market competition continues to increase,the continuous development of Internet finance,traditional property insurance insurance and insurance density has been more stable,the market has basically reached saturation.With the rapid development of the Internet,the insurance companies only to speed up the pace,seize the opportunity to expand new areas,research and development of new products,it can win in the fierce competition.Insurance companies involved in financing is the development of their own needs,but also a way to solve the bottleneck of small and micro enterprise financing.At the same time it is also conducive to the stability of financial markets.Therefore,the introduction of insurance mechanisms will be the financing of the insurance industry,all the platform,small and micro enterprises win-win situation.However,the insurance mechanism,as an integral part of the overall economic mechanism,will be constrained by economic mechanisms and other factors such as policies and legal systems.Therefore,we should give full play to the role of the insurance mechanism to optimize the platform,but also need to establish and improve the corresponding supporting mechanism. |
