【摘要】：改革開放以來,我國中小企業(yè)發(fā)展迅猛,成為我國經(jīng)濟(jì)發(fā)展的重要力量,然而中小企業(yè)融資問題一直難以破解,信息不對稱與高交易成本,造成商業(yè)銀行的信貸配給,是這一難題根本的原因。互聯(lián)網(wǎng)金融的興起,憑借大數(shù)據(jù)技術(shù),有效緩解中小企業(yè)融資難題。與此同時,對商業(yè)銀行的傳統(tǒng)信貸業(yè)務(wù)造成巨大沖擊。本文正是從大數(shù)據(jù)的角度入手分析商業(yè)銀行如何在新興的小微信貸市場競爭勝出。論文總共分為六個部分。首先,描述論文的研究背景,指出選題的意義,介紹論文的研究思路和框架結(jié)構(gòu)。其次,整理總結(jié)互聯(lián)網(wǎng)金融小微貸的理論基礎(chǔ),為下文的分析以及模型構(gòu)建做鋪墊。再者,研究目前互聯(lián)網(wǎng)金融小微貸的主要模式,分析商業(yè)銀行小微貸的現(xiàn)狀,總結(jié)商業(yè)銀行在互聯(lián)網(wǎng)金融行業(yè)的優(yōu)勢、劣勢、機(jī)會和威脅。第四部分,構(gòu)建基于大數(shù)據(jù)的電子商務(wù)平臺、銀行、中小企業(yè)三方的數(shù)學(xué)模型,從理論上證明大數(shù)據(jù)技術(shù)對于破解中小企業(yè)融資難題的重要性。接著,通過案例更為細(xì)致的研究,分析大數(shù)據(jù)在其中所起的作用,指出新型的融資模式是如何解決中小企業(yè)融資問題的。最后,對全文做一個總結(jié),并基于前文的分析提出相應(yīng)的策略和建議。該研究的開展,對于商業(yè)銀行拓展小微信貸業(yè)務(wù),具有明顯的借鑒和指導(dǎo)意義。
[Abstract]:Since the reform and opening up, small and medium-sized enterprises in China have developed rapidly and become an important force in the economic development of our country. However, the financing problem of small and medium-sized enterprises has always been difficult to solve. Information asymmetry and high transaction costs have resulted in the credit rationing of commercial banks. Is the root cause of this problem. The rise of Internet finance, relying on big data technology, effectively alleviate the financing problems of small and medium enterprises. At the same time, the traditional credit business of commercial banks has a huge impact. This paper analyzes how commercial banks win in the emerging micro-credit market from big data's point of view. The thesis is divided into six parts. First of all, it describes the research background, points out the significance of the topic, introduces the research ideas and framework. Secondly, collate and summarize the theoretical basis of internet finance micro-loan, and pave the way for the following analysis and model construction. Furthermore, this paper studies the main models of Internet finance micro-lending, analyzes the current situation of commercial banks' micro-lending, and summarizes the advantages, disadvantages, opportunities and threats of commercial banks in the Internet finance industry. In the fourth part, the author constructs a mathematical model of e-commerce platform based on big data, banks and small and medium-sized enterprises, which theoretically proves the importance of big data technology in solving the financing problems of small and medium-sized enterprises. Then, through a more detailed case study, this paper analyzes the role of big data in it, and points out how the new financing mode solves the financing problem of small and medium-sized enterprises. Finally, a summary of the full text, and based on the previous analysis of the corresponding strategies and suggestions. The development of this study has a clear reference and guidance significance for commercial banks to expand the small and micro-credit business.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F276.3

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