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1、AbstractSmall&Micro-enterprisesarethemainforceofthenationaleconomywhich
playanimportantroleinactivemarket,employmentabsorption,socialstabilityand
economicpromotionandsoon.However,financingdifficultyhasbeenanimportant
factorofrestrictingitsdevelopment.Onthesurface,financin
2、gdifficultyisduetohigh
managementrisk,suchasfinancialirregularitiesandthelackofsuitablecollateral,
butinessence,duetotheasymmetryinformationbetweenbanksandSmall&
Micro-Enterprise,andincentiveincompatibilityonriskmanagement.Competition
betweencommercialbanksgetmoreandmoref
3、ierceasthedevelopmentofthe
interestrateliberalization,commercialbanksneedtocontinuetoexpandcreditmarket
oftheSmall&Micro-Enterprise,inordertogetmoreprofits.Theinformationtechnology,withitsdevelopment,hasbeenreachouttoevery
aspectofeconomiclife,includingfinancialarea.Thein
4、ternethasaccumulatedalarge
numberofSmall&Micro-Enterprisesinformation,solvestheproblemofinformation
asymmetryexistingbetweenbanksandSmall&Micro-Enterprises,coupledwithhigh
efficiencyandlowcostoftheinternetplatforms,variousformsoffinancial
innovation,hashitthetraditionalba
5、nkingandatthesametime,easethefinancial
channelblockofSmall&Micro-Enterprises.TheresearchstartsfromintroducetheInternetFinanceandSmall&
Micro-Enterprises.Firstly,analyzethepresentsituationoftheInternetFinance,
includingthemeaning,thepatternsandtheadvantagesoverthetradition
6、alfinance.
Then,discussthefinancingdifficultyofSmall&Micro-Enterprises,whichalso
includingthemeaning,thecharacteristics,andtheexistingproblems.Secondly,
introducethefinancingdifficultyofSmall&Micro-EnterprisesundertheInternet
Financepattersandwhichpatterncanhelpthedevelop
7、mentofSmall&
Micro-Enterprises.Then,wemovetotheproblemsofthispatternwhenhelping
financing.Finally,weproposetargetsuggestionsaccordingtotheexistingproblems.Keywords：Small&Micro-Enterprisesfinancing，InternetFinance,financingpattern6目录第一章引言...................................
8、...........81.1选题背景....................................................81.2国内外发展与研究现状...........
