Financing of Small and Medium Enterprises Based on Internet Finance

2018 5th International Conference on Advanced Composite Materials and Manufacturing Engineering

Wang, Lin^1 ; Liu, Huazhi^1

Department of Business Administration, Nanchang University of Gongqing College, Jiujiang City, China^1

关键词: Bank loans;    Current situation;    Large enterprise;    Small and medium enterprise;    Small and medium sized enterprise;   

Others  :  https://iopscience.iop.org/article/10.1088/1757-899X/394/5/052015/pdf
DOI  :  10.1088/1757-899X/394/5/052015

来源: IOP

【 摘 要 】

To provide reference for alleviating the shortage of funds in small and medium-sized enterprises, the financing of small and medium-sized enterprises based on Internet finance was explored. Firstly, the current situation of small and medium-sized enterprises financing in China was expounded. The bank loans of small and medium-sized enterprises are still in a relatively low position compared to the proportion of bank loans of large enterprises. Then, the new opportunities under the Internet finance were discussed, and the currently popular several mainstream Internet finance models P2P, crowd financing and big data financing were introduced. Finally, taking Ali small loan platform and Shengda online lending platform as an example, it was proved that Internet finance was feasible as an enterprise financing tool. The results showed that it could provide experience for Internet finance to solve other industries' financing difficulties. To sum up, the development of Internet finance has the characteristics of sustainability, and has the potential to be the main financing tool for small and medium-sized enterprises.