Analysis on the Financing Dilemma and Countermeasures of China's Small, Medium and Micro Enterprises in the Information Age

Expand financing channels for small, medium and micro enterprises, reduce loan costs, solve financing data matching, and improve financing efficiency. Analyze P2P financing model, e-commerce microfinance financing model, and online crowdfunding model. To a certain extent, the problems of narrow financing channels, high costs, high risks, and difficulty in applying for small, medium and micro enterprises have been alleviated. Using the ever-changing Internet technology to innovate the "Internet +" financing model, overcome the financing difficulties caused by insufficient government attention, discrimination in bank target selection, and the relatively small size of the enterprise itself, expand financing channels, and improve financing efficiency, Enabling small, medium and micro enterprises to get out of the “embarrassed” situation in which development is hindered by financing difficulties.

Financing Dilemma of Minor enterprises in Post-epidemic Era and Its Suggestions-Taking Wuhan City as an Example

Minor enterprises have made an indelible contribution to economic development, while financing has always been a problem hindering the sustainable development of them. Under the influence of the epidemic, the business environment of minor enterprises has changed, and the financing demand has also changed. However, the degree and scope of assistance are limited. There is a contradiction between supply and demand in fund allocation. Based on this, this project puts forward policy suggestions by studying the changes of financing demand and fund supplier of minor enterprises in Wuhan in the post epidemic era, which will help to solve the financing difficulties and promote healthy and sustainable development of the national economy.