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《On Economic Problems》 2014-01
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The Small and Medium-sized Enterprise Network Financing Model Experiment——Taking “Ali Micro Credit” as an Example

WU Jun-ying;School of International Business,Zhenjiang Yuexiu University of Foreign Languages;  
"Network financing"is a new financing mode to solve the financing problem of micro,small and medium-sized enterprises. This paper takes Alibaba Micro Credit Limited's( referred to Ali) network loan experiments as the typical case,has an analysis on operational features,loan techniques,risk control,credit system and concludes: Network loans' fast and efficient features can meet the financing demands of micro,small and medium-sized enterprises-"short,frequent,fast". The flexibility of network loans reduces loan financing costs of micro,small and medium-sized enterprises. The establishment of network credit database improves the enterprise information transparency,and barrier-free information communication reduces the enterprise credit cost.
【CateGory Index】: F832.4;F276.3
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