Author(s)

Ma Li

Corresponding Author

Ma Li

Abstract

With the rapid development of the main economy in recent years, small and micro enterprises have gradually become an important supporting force, and their economic contribution has steadily increased. Since 2012, the popularization and application of new Internet technology have promoted the emergence of new forms of Internet finance and many business models have changed. For small and micro enterprises, the emergence of Internet finance makes the original financing difficulties find a new breakthrough direction. In this context, based on the literature review, this paper combs the financing status of small and micro enterprises in China. It is found that the causes of financing risk of small and micro enterprises are the problems of small and micro enterprises themselves, financial institutions and policies and regulations. To this end, this paper puts forward some management strategies, such as optimizing the financial structure system, rebuilding the risk control system, innovating and optimizing the financing mode, in order to promote the innovation of financing mode of small and micro enterprises.

Keywords

Internet finance; Small and micro enterprises; Financing mode; Risk management