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hu lian wang jin rong bei jing xia xiao wei qi ye rong zi mo shi yan jiu
Author(s): 
Pages: 151-154
Year: Issue:  12
Journal: Enterprise Economy

Keyword:  Internet financesmall and micro enterprisesfinancing loanspattern;
Abstract: With the rapid development of information technology and Internet technology in recent years, the generation of the Internet finance has expanded effectively the needs and new supply channels of capital, boosting the efficiency of financing, breaking financial monopoly, innovating the mode of financial service, and initiating a new phase of financial service in our country. Beginning with the current financing situation under the background of traditional financial services, this paper discusses the problems in traditional banks and small and micro enterprises. On the basis of advantages of the Internet financial platform, big data and combination, this paper analyzes the new investment and financing channels for small and micro enterprises provided by electric business platform, P2P and other Internet financial modes. Because of simple procedures and flexible ways, they meet the financial needs of grassroots enterprises, and are beneficial supplements to the present banking system. In addition, this paper explores the Internet financial regulations.
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