本文關(guān)鍵詞：安徽省網(wǎng)貸平臺小微企業(yè)融資擔(dān)保模式調(diào)研報告　出處：《安徽財經(jīng)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

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【摘要】：近幾年互聯(lián)網(wǎng)金融快速發(fā)展,而當(dāng)中一部分不容忽視的力量網(wǎng)貸融資悄然興起,更多的企業(yè)和個體利用網(wǎng)貸融資來滿足自己的需求。當(dāng)前小微企業(yè)正長期面臨著融資難的問題,網(wǎng)貸平臺的出現(xiàn)無疑緩解了這一困擾,而平臺主要通過充當(dāng)信息媒介的角色為投融資雙方提供信息流通,在線上滿足了許多小微企業(yè)的融資需求。但是,網(wǎng)貸平臺剛剛進入發(fā)展階段,特別是安徽省網(wǎng)貸平臺,相對于全國網(wǎng)貸行業(yè)來說發(fā)展并不成熟,近幾年快速發(fā)展的同時也伴隨著問題平臺的陸續(xù)出現(xiàn),小微企業(yè)融資風(fēng)險也逐漸顯露,再加上當(dāng)前我國出臺的一系列監(jiān)管細則也在一定程度上使網(wǎng)貸平臺融資模式未來的發(fā)展方向變得不明確。在這樣的背景下,安徽省網(wǎng)貸平臺融資擔(dān)保模式下哪種模式最適合小微企業(yè)融資環(huán)境以及這種模式實際運行過程中存在的問題是本次調(diào)研活動主要調(diào)查和研究的問題,也為小微企業(yè)有效利用網(wǎng)貸平臺融資提供有效參考。首先,通過網(wǎng)絡(luò)調(diào)查、網(wǎng)站查詢等多種方法對安徽省30家網(wǎng)貸平臺實際運行的基本情況、融資擔(dān)保模式下幾種主要模式實際運用情況以及17家平臺第三方擔(dān)保模式運行狀況進行了全面調(diào)查;其次,在研究我國近幾年陸續(xù)出臺的一系列互聯(lián)網(wǎng)金融監(jiān)管細則的基礎(chǔ)上,通過安徽互聯(lián)網(wǎng)金融家平臺對安徽10家代表性網(wǎng)貸平臺進行問卷調(diào)查,從平臺基本信息、擔(dān)保融資的規(guī)模、成本、優(yōu)勢與風(fēng)險等方面設(shè)計問卷并整合調(diào)查所得結(jié)果,利用描述性統(tǒng)計分析、比較分析等方法,得出安徽省網(wǎng)貸平臺融資擔(dān)保主要模式即第三方擔(dān)保模式面臨著監(jiān)管政策不明確、擔(dān)保機構(gòu)擔(dān)保能力不足、融資成本高、小微企業(yè)實際融資少等問題的結(jié)論。最后,針對安徽省網(wǎng)貸平臺第三方擔(dān)保模式運行過程中面臨的問題,提出了建立融資擔(dān)保評級體系、細化擔(dān)保制度以及監(jiān)管政策、完善征信體系等的優(yōu)化建議。
[Abstract]:The rapid development of Internet banking in recent years, and a part of net loan financing can not be ignored in the quietly rising, more and more enterprises and individuals use the net loan financing to meet their own needs. The current Small and micro businesses are faced with long-term financing problems, there is no doubt the net loan platform to alleviate this problem, and as the information platform is mainly through the role of the media to provide information for the financing of both online circulation, to meet the financing needs of many Small and micro businesses. However, the net loan platform has just entered the stage of development, especially in Anhui Province, the net loan platform relative to the national net loan industry development is not mature, the rapid development in recent years at the same time along with the platform to come, Small and micro businesses financing risk is gradually revealed, a series of regulatory rules plus the current of our country has to a certain extent, so that the net loan financing platform model The direction of development to become not clear. In this context, Anhui net loan platform financing guarantee mode under which mode is most suitable for Small and micro businesses financing environment of this mode and actual problems during the operation is the main research activities of investigation and research, but also for the effective use of net loan Small and micro businesses the financing platform to provide effective reference. First of all, through the network investigation, the basic situation of the website and other methods to the actual operation of Anhui province 30 net loan platform, financing guarantee mode of several main modes of application and 17 platform third party guarantee mode of comprehensive investigation; secondly, based on research in China in recent years the introduction of a series of Internet financial regulatory rules, through the Internet platform of Anhui financiers in Anhui were investigated 10 representative net loan platform, from the platform The basic information, guarantee financing scale, cost advantages and risk integration design questionnaire and survey results, using descriptive statistical analysis, comparative analysis and other methods, it is concluded that the main mode of Anhui province net loan financing platform guarantees that the third party guarantee mode is facing unclear regulatory policy guarantee institutions guarantee ability is insufficient, the cost of financing high Small and micro businesses, the actual financing problems such as less conclusions. Finally, facing the operation of Anhui net loan platform third party guarantee mode in the process of problem, put forward to establish financing guarantee rating system, fine guarantee system and supervision policy, optimization suggestions to improve the credit system and so on.

【學(xué)位授予單位】：安徽財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832.4

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本文編號：1395030