| The number of small and medium-sized enterprises(SMEs)in China is very large and their contribution to economic development is not small.However,for a long time,SMEs have been plagued by the problem that they are unable to obtain sufficient financing from traditional financing channels.In recent years,with the development of economy and science and technology,the Internet finance industry is booming.Internet financing,with its advantages of low threshold,high efficiency and personalized service,has become a direction for SMEs to broaden financing channels.In this context,how to make better use of Internet financing has become a new challenge for SMEs’ financing management.In this paper,the method of case analysis is used to select the Internet financing projects in different development stages of Fujian s Aluminum Corporation as the specific research object.The survey found that Internet financing has become an important financing channel for s company in addition to bank credit instead of traditional private lending,mainly used for short-term liquidity management.The research shows that the optimization of Internet financing management of SMEs needs to start from three aspects: enterprise debt scale management,financing platform and tool selection,and enterprise talent allocation.First,SMEs should maintain the appropriate scale of liabilities on the basis of improving the medium and long-term financial planning and financing demand forecast,which is the premise of rational use of Internet financing tools;second,SMEs should closely combine the characteristics of their own business and business model,weigh the risks and financing costs of different financing platforms,and select the appropriate Internet financing level through multiple comparisons To control costs and spread risks,Taiwan should make up for the short board of information technology and financing management personnel,accelerate the information data of enterprises,and improve the operation and management capabilities of "Internet plus". |
