中小企业融资模式创新研究

中北大学信息商务学院2018届毕业论文Research on the Innovation of SME Financing ModelAbstract:In recent years,the outbreak of the financial crisis around the world severaltimes,leading to many export-oriented Small and micro businesses operatingdifficulties,struggling to survive,and even the coastal business owners have run awayphenomenon.The financing problem of Small and micro businesses have seriouslyrestricted the survival and development of Small and micro businesses.On the otherhand,with the rapid development of the Internet industry,the Internet industry and thefinancial industry gradually chemical effect,created a new industry of one oneInternet banking,Internet banking in 2013 appeared explosive growth,the emergenceof P2P financing,financing,a large variety of data model.On the Internet financialSmall and micro businesses financing mode research has theoretical and practicalsignificance for improving Small and micro businesses financing.First,this paperanalysis the small and micro enterprise financing present situation and status quoanalysis of reasons,there are adverse selection and moral hazard,the loan cost control,credit risk control difficulties caused by the poor transparency of information.Thecomparison of Internet banking financing and traditional financing way,finally thispaper analyzes the Internet financial Small and micro businesses financing problemsin the comprehensive analysis,selection of Small and micro businesses Internetfinancing mode.Through the case analysis of small and micro enterprises in theInternet financial advice.Key words:Small and micro business;Financing;mode;Innovation