Financing of small and micro enterprises based on P2B net loan mode

Small and micro enterprises play an extremely important role in the realization of employment, independent innovation,increasing taxes and so on, It is an important part of national economic development in China. Although the government has introduced a series of supportive policies, but small and micro enterprises arc still faced with many development problems, small and micro enterprises face an important problem is financing difficulty, which relates to its health, sustainable and stable development. This paper analyzes the financing problem of small and micro enterprises from the new net loan mode of P2B, hoping to benefit the development of small and micro enterprises.

Research on the Coordinated Development of Inclusive Finance and Financing for Small and Medium-sized Enterprises

As an important force in promoting economic and social development,small and medium-sized enterprises play a crucial role in enhancing China’s economic strength,creating employment opportunities,and promoting industrial structural transformation.However,due to their inherent weaknesses,small and medium-sized enterprises often face difficulties in financing within the traditional financial service system.This makes it difficult for small and medium-sized enterprises to inject vitality into the development of the market economy by expanding their financing scale.Since 2013,China has vigorously developed inclusive finance and extended the services of traditional financial institutions to small and medium-sized enterprises,providing policy guidance,resource support,and technical support to alleviate the financing difficulties of small and medium-sized enterprises.Based on this,this article focuses on the current financing problems faced by small and medium-sized enterprises and specifically elaborates on how to lower the financing threshold for small and medium-sized enterprises and broaden their financing channels through inclusive finance,in order to promote the development of inclusive finance and a virtuous cycle of financing for small and medium-sized enterprises.

Countermeasures of Financing Difficulties of Small and Micro Enterprises in China

Financing difficult problem has seriously restricted the further development of small and micro enterprises in our country. This paper analyzes and discusses the Countermeasures of the financing difficulties of small and micro enterprises in our country from two aspects of the external environment and internal self.

A Study on Improving the Financing Environment of Small and Micro Enterprises-Based on Taizhou Model

China’s small and micro enterprises have always had the typical characteristics of“five,six,seven,eight,nine,”which are important supports to expand employment and improve people’s livelihood.However,the current proportion of these enterprises in obtaining bank loans does not commensurate with the proportion of small,medium,and micro enterprises in the total economic aggregate.The financing dilemma of small and micro enterprises still exists.In consideration of the financing status of small and micro enterprises,this study analyzes the constraints of small and micro enterprises in financing,such as the difficulty in mortgage,difficulty in obtaining loans,and difficulty in guaranteeing.This study sorts out Taizhou’s practical experience and links its operation mechanism of“two platforms,one fund,and one index.”Finally,by learning from its successful experience,how to utilize the environment and the trend of big data will be further discussed,so as to form a scalable and sustainable financing method and path.This will provide a reference for improving the financing environment of small and micro enterprises.

Empirical Research on the Credit Demand and Credit Behavior of Small and Micro Enterprises

This article uses discriminant sampling method to select 1062 small and micro enterprises from 25 provinces in China. Researches were conducted on their credit demand and credit behavior, with the Probit model to carry out metrologic tests on influential factors of these enterprises' credit demand and credit behavior.The metrologic analysis shows: Literacy level of leader, asset size, annual revenue of the enterprises have significantly positive effects on the credit demand of these small and micro enterprises. Annual revenue has significantly negative influence on overall credit behavior and the occurrence of informal financial behavior, but significantly positive influence on the occurrence of formal financial behavior. Literacy level of staff and asset size of enterprises have significantly positive influence on the occurrence of the overall credit behavior of small and micro enterprises.

Research on Financing Game Model of Small and Medium-sized Enterprises based on Different Risk Categories

With the development of market economy and the deepening of economic system reform, some of the Small and medium-sized（SME） enterprises have become the most dynamic economic growth point in the national economy. Nevertheless, SMEs are facing a lot of problems in the market competition, such as technical backwardness, information lag, lack of talents, etc.. The healthy development of SMEs is very important, whereas, SMEs’ financing is a worldwide problem, and the result of financing game between banks and enterprises depends on a variety of decision-making factors. In this paper, from the point of view of bank, we analyze the diffi culties of external financing of SMEs, and establish a financing game model based on different risk categories, in order to better solve the problems that remain in the process of financing and promote the healthy and sustainable development of SMEs.

Influence of Internet Finance on the Financing of Small and Medium-Sized Enterprises in China

Small and medium-sized enterprises greatly promote the economic progress and growth of national tax revenue as well as realize the escalation of career opportunities.However,as these enterprises are relatively small scale and have low capacity to face and resist risks in addition to China's flawed financial credit system,there are many difficulties faced by these enterprises in terms of financing to achieve their own development and progress.Recently,owing to the progress of internet information,especially the expansion of its application in the financial field,it has opened up a way for handling the financing difficulties faced by small and medium-sized enterprises.According to the specific financing situation of small and mediumsized enterprises in China,this study analyzes the impact of internet finance on the financing of small and medium-sized enterprises in China and formulates strategies to effectively deal with the financing difficulties of small and medium-sized enterprises in China,thus promoting the sustainable progress of small and medium-sized enterprises.

Measuring the Degree of Innovation in Retail and Services Micro and Small Enterprises

Micro and small enterprises （MSEs） are considered the most dynamic and flexible arrangement of activity. In the economy, the foundation and development of these features is important for the creation of the so-called ＂normal＂ economic environment. The main objective of this research is to present a research model of innovation in MSEs to analyse： first, the degree of innovation of MSEs, and second, how the innovation is handled by existing MSEs as a result of its business environment. The research made is based on a sample of 550 MSEs distributed over six cities across the Brazilian State of Piaui. The data were collected using the Innovation Radar application, which is owned by the SEBRAE Local Innovation Agents program. Statistical techniques of descriptive, exploratory, and inferential nature were used for corresponding data treatment and results validation. The results obtained suggest that MSEs have innovation capacity between the ＂Little Innovative＂ and ＂Occasional Innovative＂ range, and also that the average and the distribution of innovation levels are similar amongst MSEs analyzed.

Study on the Development of Small and Micro-sized Enterprises in Hubei Province

The development of small and micro-sized enterprises is of vital significance for the steady and rapid social economy. In recent years, the developing environment for the small and micro-sized enterprises in Hubei province has become increasingly severe, and the problems such as high management cost, high taxes and fees, financing difficulties, and labor shortages of the small and micro-sized enterprises have been more obvious, so that the further development, transformation, and upgrading of the small and micro-sized enterprises are severely restricted. In order to promote the development of the small and micro-sized enterprises, the developing environment for the small and micro-sized enterprises should be further optimized, the tax environment for supporting the development of the small and micro-sized enterprises should be well improved, the financing system should be promoted to be sound, the industrial structure should be actively adjusted, and also the development quality should be increased.

Research on the Influence Degree and Effect of Support on Innovation Incentives for R&D Personnel in Micro and Small Enterprises:An Empirical Study based on the China Micro and Small Enterprise Survey(CMES)

In this study,the influence degree and effect of support on innovation incentives for research and development(R&D)personnel in micro and small enterprises(MSEs)were explored based on the CMES data.We found that government support will increase the R&D wage and widen the gap between R&D wage and staff wage,especially for small,non-high-tech enterprises with strict financing constraints.Furthermore,taking the wage gap as a mediator,we concluded that support would widen the wage gap and increase management innovation rather than technological innovation in MSEs because the wage premium of R&D personnel is the main driver for the increase of management innovation.The findings of this study provide useful enlightenment for China to implement an innovation-driven strategy and build an innovative country.

The Research and Analysis to the Financing Dilemma and Countermeasures of China＇s Medium and Small Sized High-tech Enterprises

The Financing problem of Medium and small Sized High-tech Enterprises is the key point to enterprises＇ survival and development. Firstly it is pointed out that the difficulty in financing is due to without enough emphasis on Medium and Small Sized High-tech Enterprises, without sound targeted laws and regulations, the imperfect credit guarantee system, and corporate governance structure problem of the enterprise Then, according to the problems existing in the financing of China＇s Medium and Small Sized High-tech Enterprises, the assay put forward several countermeasures which have referential value.

Analysis on the financing strategies of small and medium sized clothing enterprises under the Internet financial model

Small and medium sized clothing enterprises have become an important force to promote China＇s economic transformation. But the shortage of funds in the development of small and medium sized clothing enterprises is still a major problem. The development of Intemet financial model is of great significance to the small and Medium Sized Clothing Enterprises .It is helpful to solve the problems of information asymmetry, credit rationing and high loan cost in the financing of small and medium sized clothing enterprises..In many financial models on the interne＇., to our vast number of small and medium-sized enterprises provide convenient services, but in the face of this model using diffcrent opinions, and there is no pertinence, for most of the enterprises are usually similar situation was a summary and recommendations, there are a handful of targeted research ,This research is for research, in order to solve the financing problems of China＇s small and medium-sized garment enterprises countermeasures were studied to find a suitable China＇s small and medium-sized garment enterprises financing path with, for small and medium-sized garment enterprises in the capital needs of the guiding role, for the enterprise to avoid financial risk. the lnternet financial model to solve the financing problem of small and medium-sized garment enterprises play the important role, we should expand Internet banking, so that more small and medium-sized garment enterprises get better development.

Problems and Countermeasures of International Trade Financing of Small and Medium-Sized Enterprises in China

Small and medium-sized enterprises are the foundation of China's national economy,and they are important forces to promote economic and social development.They play an irreplaceable role in promoting scientific and technological progress,increasing social employment,expanding foreign trade,and other aspects in which they have become an important part of China's socialist market economy.Based on the research background of international trade financing,this paper analyzes the problems existing in the international trade fmancing of small and medium-sized enterprises in China to put forward countermeasures and suggestions,hoping to help these small and medium-sized enterprises solve the financing problem so as to achieve a healthy development in the international trade market environment.

The Thinking of Financing under Dual Economies Character In Medium & Small Enterprises

In China,the dual economies show prominence in financial field.It leads to the serious dual credit ration and becomes one of the main cause which makes financing in medium & small sized enterprises becomes harder and harder.On basis of this situation,we theoretically pose that we can alleviate the difficulty through the dual cooperation of financial control and the deepening of finance.

The Importance of Cultural Intelligence for Leader to Communicate Effectively: Case Study in Micro Small Medium Enterprises

Micro Small Medium Enterprises (MSMEs) in Indonesia play huge part of national economic development because MSMEs can reduce unemployment rate. But, it is not easy to manage MSMEs well so it can be sustainable. There are some reasons why MSMEs are difficult to sustain, i.e., good management people by communicate effectively. Authors believe that one of important ability that owners, as a leader, must have in order to communicate effectively is cultural intelligence. Even in MSMEs, cultural intelligence plays important part because employees in MSMEs are diverse. They come from different region (mean having different tradition) and have different level of education. Methodology that is used in this article is qualitative method, and techniques of data collection are interview and observation. Technique of choosing informant is purposive and convenience while data analysis is using content analysis. The result of this study shows that leaders in MSMEs already have cultural intelligence to communicate with their employee. Leaders who have cultural intelligence can choose right method to communicate effectively with their employee.

Thoughts on Promoting the Investment and Financing Development of Enterprises'Intellectual Property Rights from the Perspective of Intellectual Property Strategy

With the in-depth implementation of China's intellectual property strategy,the situation of intellectual property protection in China has been further improved,the enthusiasm of the public for entrepreneurship and innovation has been further stimulated,people's awareness of intellectual property rights has been further enhanced,and the value of intellectual property rights has been further recognized by people.As a new economic form,"intellectual property economy"plays an increasingly important role in our socialist market economy.At the same time,China's intellectual property still faces some prominent problems,especially in the field of intellectual property investment and financing,such as difficult valuation,management and liquidation.From the perspective of the implementation of intellectual property strategy and starting from the investment and financing of intellectual property rights of small and medium-sized enterprises,this paper introduces the basic concepts of intellectual property investment and financing,the development status and existing problems of intellectual property investment and financing of small and medium-sized enterprises,and puts forward some suggestions for improving the investment and financing policy of intellectual property rights.

The Study on the Problem of the Relationship between the “Heterogeneity” of the Neighbor Enterprise and the Financing Efficiency of SMEs in China<br/>—Empirical Data from China Industrial Enterprises Database

This article tries to introduce the perspective of the “heterogeneity” of the neighbor enterprise into the research on the problem of the financing efficiency of the small and medium sized enterprises (SMEs). It takes enterprises in the China industrial enterprises database from 2005 to 2007 as the object of the research and defines the neighbor enterprise at a town (village, street) scale. This article selects the financing efficiency, enterprise scale, technical innovation of enterprise as the indexes to measure the “heterogeneity” of the neighbor enterprise, and examines whether they have a significant relationship with the enterprises themselves or not. Through building panel data model and the empirical analysis, this article finds that the financing efficiency and the degree of technological innovation of the neighbor enterprise are positively related to the financing efficiency of enterprises themselves, and the scale of the neighbor enterprise has a negative correlation with the financing efficiency of enterprises themselves. What’s more, this paper distinguishes the neighbor enterprise from the industry unusual neighbor according to whether enterprises are belong to the same industry or not at the same town(village, street), finding the neighbor enterprises which are the same industry have a great more relationship with the financing efficiency of SMEs than the neighbor enterprises which are the non trade.

Research on the Development of Rural Micro Enterprises in China

The great significance of rural micro enterprises to improving the farmers' incomes and rural economic development is pointed out.Through analyzing the existing funds,talents and system problems during the development of rural micro enterprises,it is proposed to construct and improve the financial credit system,strengthen education and training,enhance the construction of enterprise system and improve the leadership.

Islamic Financing of the Small Projects Palestinian Case

This study aims to expose the available finance by both traditional and Islamic banks in Palestine, determine and identify the most used Islamic tools of finance for the Palestinian economy through small enterprises, in addition, the study aims to assess if there is any contribution of the Islamic banks to the Palestinian economy. In order to reach these goals the researcher used the descriptive analysis method in order to illustrate credit facilities through the Palestinian Banking system, then, enclosing the Islamic banks in Palestine and its credit facilities and used tools. The study identified through the recent experiences of Palestinian Islamic financing and Islamic financing mechanisms practiced in Palestinian Islamic banks, murabaha, ijarah, Musharaka, and mudaraba occupied the same important level as in the neighboring countries. The study found that frequent constraints, Israeli hindrances, and heavy restrictions on goods movement, services and people through internal and international crossings increase the suffering of the small projects, as well as other productive economic sectors at all levels, administrative, financial, and technical, with no Palestinian strategy to enhance the contributing share of small projects to the Palestinian national economy. In addition, the study concluded that the inability of traditional banks to provide the required finance to the Palestinian productive sectors led to Islamic banks entering into the financing market in Palestine to open new funding sources for Palestinian small projects, so the small projects could raise their contribution to GDP. The new Palestinian Islamic financing experience is unable to create financing mechanisms suitable to the Palestinian situation, which has sign for Islamic banks to deal with cases similar to the traditional finance, this comes in the absence of a strategy by Islamic banking or monetary authority or the Palestinian government to activate the role of Islamic banks in financing small projects. For these problems, there must be a strategy to support the activities of these projects and provide appropriate funding for small projects to transcend all these constraints, to support small-sized enterprises in Palestine financially and technically. In this study, the researchers expose the available funding and financing by both Islamic and traditional banks. The study recommends that a comprehensive strategy needs to bring together all financing bodies to have joined efforts towards the formulation of a funding strategy for small projects. Both conventional and Islamic banks are required to provide various types of supports specifically financing for small projects, to enable small projects to play their role in enhancing the national economy. The study also urged the need of Islamic banking to broaden the base of Islamic banking to create a financing base appropriate with the nature of the projects.