Research on Financing of Small and Medium Sized Enterprises in China Based on P2P Net Loan Platform

摘要

Small and medium-sized enterprises as an important part of China's economic development environment, already accounted for more than 99% of the proportion of Chinese enterprises accounted for. It not only made innovations in China's social production, promoted the economic prosperity, but also eased the pressure of urban employment on the basis of increasing exports. However, small and medium-sized enterprises still show weak trend in the development of market financing. On the one hand, the small and medium-sized enterprises are facing the pressure from the aspects of production, such as the RMB appreciation, rising labor costs, increase the cost of raw materials and financing costs increase, are factors that restrict loans through traditional banks and other financial institutions to small and medium sized enterprises; on the other hand, under the new situation of investment information the two sides of the small and medium-sized enterprise financing, the asymmetry of financial and non-financial information, lack of transparency and credit assessment difficult, are also important reasons restricting SMEs to bank loans. Moreover, small and medium-sized enterprises in the loan or in the process of financing, although the loan amount is small, but the loan frequency is high, and the financing period is relatively short, and the traditional financial institutions investment funds longer approval time has obvious difference, leading to small and medium-sized enterprises is difficult to adapt to the mode of financing and loan. But with the entry Internet plus era, the rapid development of computer technology, network technology, information and communication technology, making all kinds of Internet related technology, is gradually integrated into the financial sector, while the P2P (Peer to Peer point) net loan mode, is an important breakthrough of the traditional network technology into the financial sector. This not only makes the traditional lending mode change, but also makes the modern financial industry division of labor and specialization, is gradually replaced by the Internet and related technologies. It makes the meaning of it more obvious. Based on this, this paper uses the literature research and game analysis, the problems of the SME financing P2P net loan platform based on making research, and summarizes the measures should be taken: P2P net loan platform, small and medium-sized enterprises, investors, regulators, and credit evaluation institutions, jointly solve the financing difficulties of small and medium-sized enterprises Chinese the problem.