Analyzing Internet Finance Model Using Big Data Financial Intermediation

Abstract

How to apply Internet technology to the financial field has become a pertinent question in the academic circle. To solve the financing difficulties of small, medium and micro enterprises, this study conducts an in-depth exploration into the Internet Finance financing model from three perspectives: the Internet Finance financing model under the background of big data, the functional deconstruction of Internet financial banks, and the characteristics of Internet financial financing intermediaries. Based on the theory of financial intermediaries, an Internet finance model supported by financing functions is proposed. This model puts forward a major deconstruction of the traditional financial intermediary function, with high financing flexibility, and is of great significance to solving the financing difficulties of small, medium and micro enterprises. This research takes X Film and Television Company as the experimental object and carries on the empirical analysis. The experimental results indicate that after three rounds of Internet financing, the asset level of X Film and Television Company has significantly improved. The experimental results show that the asset level of X Film and Television Company increases increased significantly after three times of Internet financing. The growth rate of total assets is close to 150%, and the growth rate of current assets is close to 160%. The three Internet financing schemes provided by X Film and Television Company have saved time and financing costs and have verified the wide applicability of this method in micro, small and medium-sized enterprises.

Keywords

• big data
• financial intermediary
• internet
• financial model
• direct financing
• indirect financing