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Research on the Financing Modes and Risk Management on the Internet Based on the Innovation of the Secondary Industry—Taking Small, Medium-sized and Micro Enterprises in China as Examples

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DOI: 10.23977/gefhr.2019.063

Author(s)

Fengjuan Liu, Fang Huang, and Yanwu Si

Corresponding Author

Fengjuan Liu

ABSTRACT

The popularity of Internet has made everyone aware of business of Internet-based finance. And the innovation environment has also brought an impetus to small, medium-sized and micro enterprises. For the development, these enterprises need to get more financial support. Then this paper focus on designing the corresponding financing model of internet-based finance corresponding to their innovation characteristics in the secondary industry (excluding light industry). From the perspective of innovation of heavy industry, construction industry, production and supply of electric power, gas and water, this paper analyzes what their preferences for innovation activities are and whether they adopt new technique to improve their product quality and technological level, etc. And then, it proposes the financing model suitable for them and suggests the way to determine financing limit according to mortgage, sales revenue, net present value of cash flow, return swap and etc. Finally, it puts forward the relevant risk management measures about the specific financing problems.

KEYWORDS

Secondary Industry, Innovation of Small, Medium-sized and Micro Enterprises, The Internet-based financing modes, Risk Management

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