Abstract: Compared with jumbo loans, the cost of loans for the small-and micro-sized enterprises is much higher and risky. The reason why such phenomenon exists is that there is the asymmetry of information received by the small-and micro-sized enterprises and by the banks. The construction of information system, especially the interconnection and intercommunication of information, can solve this problem. In this regard, Alibaba Finance has set an excellent example.

Key words: small-and micro-sized enterprises; financing problems; information solution