Research On Financing Patterns For Small & Micro Enterprises Under The Internet Finance Background

In 2016,the total number of small and micro enterprises in China had reached more than 68 million,and the amount of small and micro enterprises in China had become the largest in the world.Small and micro enterprises have become the main force of entrepreneurship,the main channel of employment,the great source of innovation and the new vitality of the economy,which is of great strategic significance to the national economy and social development.In recent years,our party and government attaches great importance to the small and micro enterprises development increasingly,they launched a series of policy measures,which are from the business environment,financing support,financial support,technological innovation,market development,enterprise management and the rights & interests protection to give a lot of support and guarantee for small and micro enterprises,this has created a good environment for promoting the sustainable and healthy development for small and micro enterprises.Thanks to the country's strong support,small and micro enterprises financing presented good posture with the total and speed increase,and small and micro enterprises financing difficulties had been alleviated to a certain degree.But hard and expensive to financing was not completely removed,it increasingly become a bottleneck problem restricting the development of small and micro enterprises.With the rapid development and wide application of big data,cloud computing and Internet of things technology,P2 P lending,third-party payment,crowdfundingand so on online finance have mushroomed risen,it not only profound impact and changed people's behaviors and habits,but also blew a "innovation storm" in the field of finance on technology,ideas,mode and system aspects.This fit the financing needs which is "small,frequent,urgent" for small and micro enterprises to a large extent,and solved the traditional small and micro enterprises financing problem,it also brought new channel,new model,and new development for small and micro enterprises financing,which play a huge role in promoting Chinese economic and social development.This article introduces two traditional financing channels(endogenous and exogenous)based on the Internet financial background,deeply analyze the facing predicament of narrow financing channel,difficult credit financing and high cost of financing for small and micro enterprises traditional financing,also analyze and point out the reasons why it is difficult for small and micro enterprises financing in the enterprise level,bank level and national level,then synthetically compare the advantages and disadvantages of four main financing mode for small and micro enterprises financing which is E-commerce small loan financing,P2 P lending financing,financial institutions + Internet portal financing and crowdfunding.And studied the future development trend of small and micro enterprises Internet financing,then put forward big data C2B2B2 S financing mode.At last,discuss the countermeasures and suggestions to promote small and micro enterprises financing from strengthening risk control,developing small and micro enterprises financial service,using big data technology,strengthening the construction of enterprise and so on aspects.