Small And Micro Enterprises Internet Financial Problems Gradually Emerged

< p > in recent years, Internet finance has sprung up. The industry generally believes that Internet finance has broken the financing threshold, broke through the site restrictions, and is more convenient in the process. It can effectively solve the "financing difficulty" problem of < a href= "http://www.91se91.com/news/index_c.asp" > small and micro enterprises < /a >. However, reporters found that because of the lack of collateral, the high cost of financing and the risk of information leakage, many small and micro entrepreneurs are "far from the Internet". < /p >
< p > < strong > Internet finance is in the limelight. < /strong > < /p >
< p > with the gradual development of Internet lending platform such as Ali loan, pat loan and Yixin, the booming Internet finance "stirs" the traditional financial structure. According to statistics, the scale of Internet loan has reached 100 million yuan per year. < /p >
< p > relevant data show that the number of small and micro enterprises accounts for more than 90% of the total number of enterprises in China, creating 80% jobs and 50% tax revenue, which plays an irreplaceable role in solving employment, increasing income and adjusting the economic structure. However, "financing difficulty" has always been a puzzle for the development of small and micro enterprises. < /p >
< p > 2012, Zhang Cheng, Yuzhong District of Chongqing, founded a small and micro enterprise which is mainly a target= "_blank" href= "http://www.91se91.com/" > clothing < /a >. Since its establishment, the main source of funds is Chongqing municipal government's policy preferential loans to small and micro enterprises. "I am now preparing to expand the scale of the operation of the company. There is at least 300 thousand yuan in funding. At the end of the year, the major banks have basically stopped lending, and can only wait and see if they can lend it next year." Zhang Cheng said helplessly. < /p >
"P >" when the reporter asked why not through the Internet financial business to finance, Zhang kept shaking his head. "Internet banking is very hot now, but it has little effect on financing for small and micro enterprises." He said, "for example, a lot of P2P net loan platforms have a monthly interest rate of 1.6%, although they are more favorable than ordinary small loan companies, but they are still twice as high as the bank interest rates. < /p >
< p > a small number of small business owners who share similar ideas with Zhang Cheng. Reporters interviewed a number of small business owners found that they generally respond to the Internet financial business cool, that the rising Internet finance has not given the "financing difficulties" of small and micro enterprises to bring much help. < /p >
< p > strong > high interest rate, mortgage, information leakage, < /strong > /p >
P is a booming development of Internet financial business. On the other hand, it is a "cold hard" small and micro enterprise. Why is there such a situation? < /p >
< p > high interest rate of Internet financing is an important reason. In 2012, Wang Shuai, a graduate student, founded a mobile game development company in Chengdu. When the company faced a funding gap, it could only borrow from its parents. "If I can borrow money, I will be willing to rely on my own efforts, but it is very difficult for bank loans. The net loan interest rate will exceed 20%. If the loan time is long, interest will drag the company down." < /p >
< p > in addition to high interest rates, there are still many uncertain factors for net loan. In terms of loan audit, Internet financing requires enterprises to have collateral or to have enough business flow. Zhang Cheng said, "but my company only does channel sales. Without fixed assets, it can be mortgaged, and there are no more than thirty thousand or forty thousand yuan per month for commercial water." < /p >
Besides P, the risk of information leakage from Internet financing is also a major concern of small and micro entrepreneurs. Wang Shuai said that before consulting the online lending platform, the loan officer asked him to upload all the company's business information to the audit. In order to dispel my doubts, the other side packaged the business information of another company, and the key information such as the business license, the bill and so on. "He was trying to dispel my doubts, but he easily leaked information from another company." < /p >
< p > < strong > perfect general credit system < /strong > /p >
< p > aiming at the situation of small and micro enterprises' cold Internet finance, the relevant experts believe that it is imperative to improve the universal credit reporting system and establish a more targeted regulatory system. < /p >
< p > the chief researcher of China's Samsung Economic Research Institute and chief economist of National University of Singapore, Wenhua, Ph.D., a financial researcher at National University of Singapore, believes that the current market rarely develops from the perspective of the demand side and develops suitable financing products for different business groups. < /p >
< p > Central University of Finance and Economics vice president of China Institute of financial development and Professor Sheng Hui said that in the United States, Internet financial services innovation for small and micro enterprises is based on their own sound credit system, and our credit reporting system is not perfect. If small and micro enterprises do not have credit rating ratings, it is difficult to obtain small funds through non credit. < /p >
< p >, aiming at the problem of customer information leakage, we suggest that the net loan platform should strengthen the management of personnel on the one hand, and on the other hand, we should classify the information of loan enterprises. For example, for the business flow and business license information of an enterprise, the higher level of the former should be given, and higher authority is needed to query, to a certain extent, to reduce the risk of information leakage. < /p >
< p > "fundamentally speaking, if we want Internet finance to develop healthfully, we need to set up a more targeted regulatory system." Tong Sheng Hui said that the current Internet banking and traditional finance are the same regulatory system. With the further development of "a href=" http://www.91se91.com/news/index_cj.asp "Internet finance" /a and the gradual emergence of problems, this situation should be changed. < /p >