Research On The Financing Of Small And Micro Enterprises Based On The Internet Financial Platform

Internet banking is a new industry developed in recent years,mainly rely on the Internet technology,especially the use of large data Internet technology,provide a strong support for the financial function,play the advantages of Internet Co,to make up for the lack of existing traditional financial institutions,a positive role for the public entrepreneurship,innovation process the financing process.This article from the current situation of the development of Internet financial industry,through the use of moral hazard and adverse selection theory of asymmetric information theory,mainly on the Internet in the financial sector in the field of P2P net loan,together with problems at home through the Internet banking platform to obtain financing Small and micro businesses financing problems in the empirical research,draw some useful conclusion.This paper also introduces the system of moral hazard and adverse selection in the application in the actual case,conduct research,long-term tracking validated by selection with the objective of the study of the enterprise,and puts forward some suggestions on the ultimate Internet financial mode of financing behavior.The first chapter is the introduction,mainly introduces the topic of this paper,summarizes the development process and current situation of Internet finance;secondly introduces the research significance and research methods of this paper,and the architecture framework;finally introduced the innovation of this paper.The second chapter mainly introduces the moral hazard and adverse selection theory of asymmetric information theory,from the moral hazard and adverse selection theory of credit business of traditional financial institutions in the application extends to the Internet in the financial sector,the risk of problems at present small and medium-sized domestic Internet financial sector and micro enterprises and financing platform face,and analyzes the moral hazard and adverse selection under the theory of Small and micro businesses in the traditional financial institutions based on the financing problem.In the third chapter,the author selects a small and micro enterprises as a case,from the development process of the enterprise,to the difficulties encountered in the process of enterprise development,and the financing channels.Based on the theory of moral hazard and adverse selection,this paper analyzes the reasons why small and micro enterprises obtain funds from traditional financial institutions,and the risk of financing needs of small and micro enterprises in a variety of financing channels.The fourth chapter the author selected domestic Internet network operators banks financing platform better,for Taobao and Tmall launched the net business loan sellers,through the actual verification of the author,analyzes commercial bank big data technology of Small and micro businesses loans based on the combination of moral hazard and adverse selection theory,the actual financing for small and micro the enterprise through the network business loan to obtain,the analysis results are given the author’s own.The fifth chapter the author selected a network lending platform served as a case,through the course of development,the platform business model,operation method,combined with moral hazard and adverse selection theory,leading to the platform currently went into liquidation reasons are analyzed.The sixth chapter mainly introduces the domestic Internet financial platform and the protection measures of investors,and the author of the current Internet financial development countermeasures.