The Formation And Resolution Of Small Micro-enterprise Financing Difficulties

China’s small micro-enterprises a large number,and distributed in all walks of life.They are both an important driving force for China’s economic development,but also a new force to absorb employment.Vigorously promote the healthy development of small micro-enterprises has become China’s economic sustainable development and solve the problem of employment is one of the important ways.However,small and small enterprises are usually smaller,less fixed assets,high operating and investment risk,these characteristics of its external financing has formed a great obstacle,especially from the banks and other traditional financial institutions to obtain funds more difficult.Therefore,how to crack the micro-enterprise financing difficulties has been a difficult problem to be solved.Over the past decade,with the rapid development of Internet technology,the Internet and financial closely integrated for the financing of small micro-enterprises to provide a new financing channels.Internet financial P2P financing model based on large data analysis,with information-rich,low cost,efficient operation,low access threshold unique advantages,fundamentally changed the operation of China’s financial industry,to the traditional bank credit business to bring a certain Impact.At the same time,these unique advantages,can match the characteristics of small micro-enterprise financing needs to help solve the traditional bank credit under the financing of small micro-enterprise difficulties for the development of small micro-enterprises into a new vitality.Based on the solution of the plight of China’s small micro-enterprise financing,this paper analyzes the deep reasons for the financing and financing of small and micro enterprises under the traditional bank credit model by means of literature analysis,comparative analysis and case study,and expounds the Internet financial P2P financing model The advantages and disadvantages of the external financing difficulties are analyzed,and the advantages and disadvantages of the Internet financial P2P financing platform are expounded and detailed.This paper shows that the traditional bank credit model financing,the complexity of the bank loan procedures will lead to small micro enterprises difficult to obtain loans in time,and the Internet financial P2P financing model,the use of online transactions,through Internet technology,simplifies the loan process,improve the financing efficiency The At the same time,under the traditional bank credit model,due to the asymmetry of the information between the borrowers,the risk of bank risk management is high,and the higher collateral collateral is required,which leads to the high cost of financing.The P2P financing model,the use of large data technology,rigorous means of wind control,reducing the degree of information asymmetry of small micro-enterprises,effectively control the small micro-enterprise credit risk,and take the unsecured model,reducing the financing costs of small micro-enterprises The In addition,a single bank credit products can not meet the needs of small and micro enterprises diversified funds,resulting in a small micro-enterprise financing satisfaction is low.The P2P financing model,through information technology means,continue to tap and subdivide the characteristics of small and micro enterprises financing needs,as much as possible the design of diversified financial products,in order to meet the needs of small and micro enterprises diversified funds.