Since 2013, emerging online financing platforms such as yu 'ebao, P2P and bitcoin have become the focus of people's attention. While forcing traditional financial institutions to transform their business models and develop new lending products, the emergence of Internet financing models has also spawned a number of new financing models such as "third-party payment, Internet small loans, P2P lending and crowdfunding", which directly benefit smes. As an important force in the economic and social development of people's livelihood in China, small and medium-sized enterprises have made outstanding contributions in employment, patent invention and taxation. However, small and medium-sized enterprises in the capital of this bottleneck is the most serious constraints. Because there are a lot of small and medium-sized enterprise financing difficulties, outstanding performance: information asymmetry, the narrow financing channel, and high transaction costs, a variety of problems, such as the Internet came to financing channel for the cause of the financing difficulties of small and medium-sized enterprises, at least in theory, solve the financing difficulties of small and medium-sized enterprises the main crux of the problem, based on this the paper hope through to the small and medium-sized enterprise financing problems, the financing of small and medium-sized enterprises using the Internet to analyze the problem such as the possibility to solve the problem of funds, to relieve the shortage of funds the development difficulties of small and medium-sized enterprises to provide theoretical reference.
Keywords: Internet finance; Small and medium-sized enterprises; financing
