Internet Finance Influencing Middle and Small-sized Enterprises Financing in Quanzhou City of Fujian

Middle and small-sized enterprise(SME) are an important force in economic development, but it is difficult to finance, it is great significant to solve this problem for the healthy development of SME. Taking Quanzhou as the background, discussing the present situation of the financing difficulties of SME through qualitative analysis, the current restriction factor lies in the information asymmetry, the absence of financial institutions and policies, the imperfection of credit guarantee system. Internet finance can solve the problems of information asymmetry, reduce financing costs, improve financing efficiency, expand the financing channels to solve the financing difficulties of SME financing guarantee. At the same time, it is also facing the problems of lacking of effective supervision, information quality and safety. Speeding up the construction of laws and regulations; constructing small micro enterprises financial chain, park financial and other forms of internet financial services; strengthening credit environment construction and creating a good atmosphere; building a good platform for the internet financial ecosystem, all of these countermeasures can solve a certain extent of SME financing difficulties.