Research on Innovation of Small and Micro Enterprise Financing Model under the Background of Internet Finance

In the nearly 40 years of market economy development, China's small and micro enterprises have an important responsibility to improve fiscal revenue, provide jobs, improve people's lives, and promote economic development. Despite the strong support of policies in recent years, compared with large and medium-sized enterprises, small and micro enterprises can not effectively solve the problem of using foreign funds to promote their own development, and the problem of financing difficulties will directly affect subsequent development of the Small and Micro Enterprise. In recent years, with the continuous development of Internet technology, the continuous integration of Internet technology and modern finance is constantly changing the world. Internet finance, by virtue of its advantages, is also widely recognized in the industry as being able to make up for the shortcomings of small and micro enterprises in traditional financing. This paper starts with the development status of small and micro enterprises and related financing theories and the principle analysis of the promotion of small and micro enterprises by the Internet, and analyzes the existing P2P, crowdfunding and e-commerce models of small and micro enterprises under the existing Internet finance background. Pros and cons analysis. Finally, propose innovative ways to provide new ways for financing difficulties.