Comparative Analysis of New Loan Patterns Based on E-Finance for Small and Medium-Sized Enterprises

As a new channel of loan, network loan is more suitable than traditional bank loan for small and medium-sized enterprises. Various network loan services are provided by commercial banks and e-commerce platforms. This paper deals with the relative advantages and applications of some kinds of network loan for small and medium-sized enterprises, by the comparative analysis of several typical ways of network loan, such as network joint guarantee loan, e-commerce platform loan, revolving loan of e-bank, etc. And the conclusion is that these kinds of network loan have their respective advantages and limits. So the requirements and business characteristic should be clear and considered when the enterprises carry on network loan, instead of blindly choice.