Research On Internet Financial Financing Of Small And Medium Sized Enterprises

In recent years,the development of small and medium-sized enterprises not only promote the growth of China's economy,but also reduce the unemployment rate and enhance the level of creativity.Small and medium-sized enterprises(SMEs)are the foundation of public innovation and innovation in our country,and also a key part of China's economic structure.They play an important role in promoting economic development.Small and medium-sized enterprises in the process of development,there has been a troubled problem,that is the problem of financing.This problem not only exists in our country,but also exists in the whole world,and it is a worldwide problem.According to the relevant investigation and study,in our country small and medium-sized enterprise present many difficult problems,the financing difficulty question proportion nearly 70%,in other words,many companies in the process of development will face the shortage of funds,single source of funds and other difficulties.Therefore,to solve the financing difficulties of SMEs is of great significance to promote the healthy and rapid growth of enterprises.In recent years,the Internet finance into more and more people's lives,such as the rapid development of the balance of treasure,CAITONG,Jingdong small loans and other Internet financial platform,but also a lot of small and medium-sized enterprises found the opportunity of financing.Compared with the old way of financing,Internet banking has the ability to solve the problem of asymmetric information,and the information asymmetry is the old way of financing an unavoidable problem,Internet banking can also make the loan process more simple,the use of big data,cloud computing and other means,to reduce financing costs.The characteristics of low cost and low threshold of Internet finance make it become a new financing way for many small and medium-sized enterprises.In recent years,the development of the financial advantages of the Internet to rely on their own,won the rapid development opportunities in the government designated thirteen five plan,about Internet banking,on the "Internet plus" has become an important issue that many scholars talk.This paper analyzes the financing difficulties faced by a company engaged in garment manufacturing company A in the current Internet environment in the Internet and the financing situation,with the current financing situation of A company'scurrent understanding,according to the SWOT analysis method,analyzes the A company using the Internet financing advantage,disadvantage,opportunities and risks,and the Internet financial financing environment for A company are analyzed in detail.The results showed that the A,if the financing of enterprises using Internet banking,its benefits and more opportunity,internal and external conditions have been mature,but still faces some disadvantages.