Abstract: The vigorous development of the Internet+era has made the combination of Internet and Finance becoming a mainstream trend. Internet Finance is taking advantage of its unique meries to provide a new opportunity to solve the financing difficulties of smes. Compared to the financing methods of traditional financial institutions.On solving the problem of financing difficulties for small and medium enterp-rises, Internet Finance provides a more diverse, more nimble, more efficient new financing pattern choice. Based on the overview of small and medium-sized enterprise financing way and the traditional Internet financial advantages, this paper discusses the financing problems and the reasons of small and medium-sized enterprises. And does deep analysis on the advantages and disadvantages of Internet finance to solve the financing problems of small and medium-sized enterprises, and regional influence and industry influence. Finally, the paper gives relevant policies and suggestions to alleviate the financing difficulties respectively from Internet finance and small and medium enterprises how to effectively use the Internet finance.
Keywords: small, medium, enterprises, Internet finance, financing methods