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1、AbstractAbstractMicro-enterprisefinancingdifficultyhasalwaysbeenaworldwidedifficultproblem.AlongwiththeInternettechnologymature,theappearanceofmobilepayment,cloudcomputingandthesearchengine,Greatchangeshavetakenplaceinthefaceofthefinancialsector.Becauseofitsop
2、enness,democracy,tolerance,convenient,efficientandpertinenceofvariousadvantages,internetfinancialisgenerallybelievedthatitwillbesolvemicro-enterprisefinancingpredicamentofanewway.Comparedwiththetraditionalfinancial,internetfinancialbasedonthedataoftheInterneta
3、ndtheInternetnetworkastheplatformhasbeenrealizedtheextensionandtheexpansionoftraditionalfinancialservices.Internetfinancialhasagreatadvantagetodealwiththeproblemofmicro-enterprisefinancingdifficulties.Formicro-enterpriseasthecapitalofthedemandside,Bycostandpro
4、cessimprovements,theInternetfinancialmodelgreatlyreducesthetransactioncost,speeduptheefficiencyofborrowingandpromotetherateofsmallmicroenterprisefinancingobtained.Byanalyzingseveralcommonmicro-enterprisefinancingmode,forexample,p2p,crowd-funding,bigdatamicrofi
5、nanceandInternetfinancialportal.Thistextinductivethethreekindsofsmallmicro-enterprisefinancingmodeunderthebackgroundofInternetfinancial,namelythecoinsurancefinancingmode,networkcreditpoolmodeandequityfinancingmode.Thecoinsurancefinancingmodeistosolvetheproblem
6、ofmicro-enterpriseloanmortgageassetsintheprocess,throughtheformofajointventureformedbetweeneachotherjointandseveralliability,micro-enterpriseisabletoobtainfinancingwithoutcollateral.NetworkcreditpoolmodelisanewfinancingmodelmainlytoimprovetheentryofInternetfin
7、ancialplatformandpromotethehealthydevelopmentoftheInternetfinancial.Equityfinancingmodeisanewtypeoffinancingmodemainlytoenhancethecapitalstrengthofmicro-enterprise,reducetheIIAbstractriskofbankruptcyandachieveeconomiesofscale.Thesethreemodelshaveitsowncharacte
8、ristics,itisperfectionandinnovationtotheexistingmicro-enterprisefinancingmode.Newmodel,ofcourse,isassociatedwithcertainrisksandchallenges.Thereforethispaperanalysisriskofthemicro-e
