Smes Will Benefit From The Rise Of Internet Financing.

The US Securities and Exchange Commission (SEC) intends to amend the relevant regulations to allow start-ups to make small loans through social networks such as Facebook or Twitter. It is easy to see that SEC's proposal to modify the financing restrictions is an affirmation of the role of the Internet in the financing of start-ups.

In fact, the way of network financing has been prevailing abroad.

In recent years, "

Electronic commerce bigwigs test water network financing

Network financing refers to lending activities between financial institutions such as enterprises and banks based on network intermediary services.

The lender, by filling in the online loan request application and enterprise information, and making loans with the help of third party platforms or directly to banks and other financial institutions, and issuing loans after examination and approval by financial institutions, is a new digital financing method.

This kind of service has grown rapidly in the United States, and whether it can be applied in large scale in China has attracted widespread attention in the industry.

After the introduction of the concept of "network financing" from abroad, it has become a fashionable word in banking circles and e-commerce circles for a while. B2B listed companies including Alibaba and Wang Sheng Bao have taken the lead in doing different ways in this respect.

In June 2, 2010, A shares, "China Internet first share" business treasure (002095), announced the launch of a product for SMEs to provide financing services - "GoldTrust.cn", to enter the "network financing" service area, to provide online financing services for SMEs.

It is reported that this is also our old e-commerce service business network Sheng business treasure in the past 13 years, the first time across the information flow, involved in small and medium enterprises capital flow services.

Then, in June 8, 2010, Alibaba group joint Fosun Group, Yintai group and Wanxiang Group announced the establishment of Zhejiang Alibaba small loan Limited by Share Ltd in Hangzhou (abbreviation for Ali small loan company).

Alibaba Group Chairman and CEO Ma Yun said at the opening ceremony that Ali small loan companies should be close to "grassroots user groups" and insist on providing loans below 500 thousand yuan to support large enterprises and entrepreneurs to meet their financing needs for expanding operations.

In June 30th of the same year,

The flexibility of network financing is beyond the reach of banking institutions.

Undoubtedly, network financing is a new channel for small and medium-sized enterprises to raise funds, and the space is huge.

In this regard, China

Analysts believe that Alibaba, network Sheng business treasure and other B2B "bigwigs" have been involved in the purpose of network financing, not only to alleviate the financing difficulties of SMEs, from a certain perspective, but also hope that through the "network loan" value-added services, to increase their customer stickiness, and better enhance the user experience.

Internet industry financing benefits

By the end of 2010, China's Internet companies were listed overseas, which not only once again raised the "Chinese fever" in the world, but also brought great encouragement to their counterparts in China.

The Internet will no longer exist as an independent industry, it has gradually integrated into traditional industries.

ChinaVenture group recently released the statistical analysis report on China venture capital market in 2010. It shows that in 2010, the number of investment cases in China venture capital market was high, with a total investment of 5 billion 668 million US dollars.

Among them, the Internet industry has seen explosive growth in total financing, totaling 1 billion 831 million US dollars, accounting for 32% of the total annual venture capital.

In addition, the trend of financing has also expanded from video to e-commerce.

In 2010, China's venture capital market investment involved 20 industries, including manufacturing, Internet, IT and medical and health sectors occupying more than 10% of the number of investment cases.

In recent years, because of the introduction of the concept of "network financing", the total amount of financing in the Internet industry has topped the list, up to 1 billion 831 million US dollars, accounting for 32% of the total annual venture capital.

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According to Xinhua statistics, the statistics released by the China Electronic Commerce Research Center show that in the first half of 2010, the total amount of net financing services for SMEs in China exceeded 7 billion 500 million yuan, and it is expected that 2010 will be the first time to exceed 100 billion yuan in the whole year, reaching 13 billion yuan.

In recent years, the third party e-commerce platform, led by "silver online", has made an attempt in the aspect of network financing services, and has achieved leaps and bounds.

Development.

Industry insiders say that network financing is a collectively called "online banking" network financing service platform, not only can quickly and easily solve the financing needs of customers; at the same time, it can effectively avoid risks, reduce paction costs and participation costs, solve the problem of information asymmetry and so on, greatly improving the financing efficiency.

The reason why Internet financing develops so fast is that its financing way is quite different from the traditional way of bank financing.

On the one hand, for the type of network financing service platform, this mode can greatly reduce operating costs, efficiency and operation process. On the other hand, for fund users, this mode is fast and efficient, and can better meet their financing needs.

Nowadays, e-commerce is still in the stage of rapid development, and the credit policy of banks is also affecting the operation of enterprises.

Network financing not only makes up for the restriction of cross regional loans, but also has more flexibility in time, space and geography than traditional loans of banks.

For the profit model of network financing, the China Electronic Commerce Research Center made a forward-looking forecast: first, interest rate sharing.

The interest rates of small loans tend to go up more sharply than benchmark lending rates, and there is room for profit sharing.

The two is advertising revenue.

The users of Internet loan service mainly focus on small and medium-sized enterprises, which is the target of advertising products such as financial products and high-end consumer goods.

The three is special service charges.

The third party e-commerce service providers collect fees by providing special services to enterprises, such as certifying membership network paction records, and assessing the guarantee of current assets.