Research On The Influence Of Network Financing On The Growth Of Small And Micro Enterprises From The Perspective Of Shared Finance

Small and micro enterprises are the backbone of China’s economic development,the main force to promote China’s technological innovation,the main body of innovation to promote scientific and technological progress,and the pioneer of driving China’s economic transformation.Small and micro enterprises have become the most dynamic,the most potential,the most growth group,its growth is restricted by a variety of factors,the most important of which is difficult to finance,financing expensive problem.How to alleviate the financing difficulties of small and micro enterprises and promote the healthy growth of small and micro enterprises is an important topic in the period of China’s economic transformation.The report of the Nineteenth National Congress of the Communist Party of China clearly put forward the new development idea of "strengthening support for innovation of small and micro enterprises and promoting the transformation of scientific and technological achievements ",and promoting the development of small and micro enterprises will be an important part of building a modern economic system.The Government’s work report has also repeatedly issued policy recommendations to support the healthy development of small and micro enterprises,with emphasis on increasing financial support for small and micro enterprises by various financial institutions.Therefore,it is of great practical and theoretical significance to solve the has strong practical and theoretical significance to promote innovation and economic development.Sharing finance came into being under the vigorous development of sharing economy,which brings new development opportunity for the development of network financing.Under the background of the development of Internet technology,sharing finance helps to build a perfect financing system and realize the financial model of everyone’s participation,stability,efficiency and sustainability.Based on the perspective of shared finance,network financing as a new financing model,in the development,relying on advanced Internet technology,help to realize the flexibility and transparency of financial transactions,so as to ease the financing constraints of small and micro enterprises.Through the questionnaire survey of 1668 small and micro enterprises,this paper draws on the existing research results and constructs a theoretical model of the influence of network financing on the growth of small and micro enterprises based on the regulation of shared finance.The model proves that network financing from theperspective of shared finance is an effective path to inclusive finance,and its emergence overcomes the problems of information asymmetry and inefficiency of traditional finance.Therefore,based on the perspective of shared finance,network financing helps to promote the further development of small and micro enterprises.In this paper,based on the relevant classical scales and research literature at home and abroad,the index system of network financing and small and micro enterprise growth is constructed from the perspective of shared finance,and based on the corresponding theoretical model and empirical analysis results,it is found that network financing can significantly promote the further growth of small and micro enterprises;in the relationship between small and micro enterprises and network financing,shared finance plays a regulatory role,which helps network financing to better promote the growth of small and micro enterprises.From the perspective of shared finance,it is of theoretical significance to explore the relationship between network financing and the growth of small and micro enterprises,which adds a new perspective to the study of small and micro enterprise growth theory,small and micro enterprise financing theory and network financing theory.Under the background of encouraging innovation and entrepreneurship,this paper discusses the methods of network financing in promoting the further growth of small and micro enterprises based on the perspective of shared finance,which has certain practical value.Finally,based on the corresponding problems,put forward targeted countermeasures,and the future research is prospected.