Abstract: Science and technology start-ups are the main force of scientific and technological innovation and an important source of sustained economic growth, but the long-term financing difficulties have become a major obstacle to their development. The main reason for the difficulty of financing is that the financial market system is not perfect, the credit market is not developed, and the information asymmetry between banks and enterprises leads to the difficulty of the scientific and technological start-ups. Internet banking as a new model of financial innovation, to ease the financing difficulties of technology start-ups provide a new channel. In this paper, the author summarizes the five models of financial distress in Shenzhen with the help of Internet finance. It is a useful reference to improve the financial market system and break the information asymmetry between banks and enterprises.