Small And Mid-sized Enterprise Financing Model Based On Third Party Analysis

Small and mid-sized enterprise is the important part of capital demanders in the financial ecosystem,realize on the high financing risk,in the lack of collateral and the high density technology characteristics.In the traditional financial market is difficult to obtain effective financing.But with large number occupy on total maret,capital requirements characteristic,long-term capital requirements in the financial markets for a long time and ignored by the money supply.Based on the characteristics of small and mid-sized enterprise itself,combined with its financing problems,so it is difficult to get loans from the commercial bank.There are two main resons for this problem,difficult to measure credit conditions and lack of collateral loan.Therefore,the research emphasis help Small and mid-sized enterprise to solve the credit problems and lack of collateral loan problems,and creat a new financing channals,and build a new financing model to solve the problem.By means of logical analysis and statistics method,base on analysis research method,build a new credit risk evaluation model and a patent technology asset pricing method.Specific method is using the third-party credit reporting company hold the credit index,measure the enterprise credit with good credit.Using patented technology company assessed on the value of the patent technology of the small and mid-sized enterprise,and analysis method difference between the traditional patant technology pricing method and the new method,find the difference applicable conditions.The traditional method mainly from the static perspective,but the new method from the dynamic perspective.Through solve the credit problems and lake of the proper mortgaged problem to build a new platform for small and mid-sized enterprise financing,set up the Third Party Guarantee Company to contect the Small and medium-sized enterprises,Commercial Banks,The Third Party Credit Reporting Company and Patent Technology Assessment Company,and construct a new financing modle.The new financing platform creat a complete financial ecological system,make each part of company,mutual cooperation and common development.To sum up,small and mid-sized enterprise as the long tail of financing market group difficult to get lons,because of the asymmetric information and lack of collateral.My paper is based on this issues to begin the futher research,and creat an “Three sectors” for Small and mid-sized enterprise financing modle to include “enterprise+bank+third parties”.The model based on The Third Party Credit Reporting based on enterprise the advantage of data mining ability and information collection ability,relief the information asymmetry problem and using The Guarantee Company,reduce the risk of bank losses.