Method and technology for direct commercial district financing of micro enterprises and shops

Abstract

The invention provides a method and technology for direct commercial district financing of small enterprises and shops, being characterized in that financing requirements such as display, quotation, transfer, directional capital increase, stock equity financing and recombination purchase required by micro enterprises and shops are pushed to each website of a system business district by a fission technology, so that all customers with investment intentions in the accessory business district subscribe stock rights and investments on line, and market behaviors such as standard operation and information disclosure of companies are supervised, and rapid fusion of sea inside and outside capital and medium and small enterprises is promoted by means of an Internet financial platform, and a seriesof financial solutions are provided for the large number of medium and small enterprises in the development stage and not yet going into the capital market. A direct commercial district financing platform with the largest world is built, and a commercial district group popularization scheme is achieved, and the method cooperates with all large search engines to rapidly and accurately popularize financing information of users to the view of target clients, and financing efficiency maximization is achieved.

Description

[0001] 1. Technical field [0002] The present invention relates to the field of financial system design, and proposes an independent website generated by fission technology, and then through fission technology, customers' required display, quotation, transfer, targeted capital increase, equity financing, reorganization and merger and other financing needs are pushed to the system business circle On each website, all customers with investment intentions in the attached business district can subscribe for shares and invest online, and a large amount of information will be displayed on the search website after being crawled by all search engines. [0003] 2. Background technology [0004] Due to factors such as low qualifications of small and micro enterprises and lack of mortgage and pledge guarantees, difficult and expensive financing is a common problem facing the development of small and micro enterprises around the world. The bottlenecks and difficulties encountered by small ...

AI Technical Summary

Problems solved by technology

The financing conditions of banking SME credit business institutions are complicated, the procedures are cumbersome, and the cycle is long. The financial supply and service cannot keep up. The trading center is not active, and has not yet realized the function of revitalizing assets and discovering value. The comprehensive tax burden of the new third board enterprises is as high as 138%. shrinking; microfinance companies and P2P online lending platforms have limited financing capabilities to serve small and micro enterprises

[0006] Second, the financing costs of small and micro enterprises are relatively high

[0008] 3. Rising non-performing loans and information asymmetry constrain small and micro financial business

Information asymmetry between banks and enterprises due to non-sharing of information, as well as income and risk asymmetry under the traditional credit model, restrict the development of small and micro credit business

[0010] Fourth, credit products for small and micro enterprises are not targeted enough

There are many restrictions on credit products for small and micro enterprises, and there are few personalized and differentiated credit products. In terms of support, there are more liquid loans and less constructive loans; in terms of risk control methods, there are more mortgage loans and less credit loans; In the previous year, there were many loans with a term of maturity and few ultra-short-term and long-term loans, which made it difficult to meet the financing needs of "short, small, frequent, and urgent" small and micro enterprises; The problem of shortage of funds, the innovation of financial products for small and micro enterprises needs to be strengthened

[0011] Fifth, the development of small loan companies and Internet finance is facing difficulties

Small loan companies face problems such as lack of funding sources, high cost of information acquisition, risk control and sustainable development

Images