本文選題：互聯(lián)網(wǎng)金融征信　切入點(diǎn)：小微企業(yè)　出處：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：信用經(jīng)濟(jì)是現(xiàn)代市場(chǎng)經(jīng)濟(jì)發(fā)展的必由之路,而互聯(lián)網(wǎng)金融平臺(tái)的蓬勃興起對(duì)傳統(tǒng)的征信體制帶來(lái)了不可忽視的影響。基于互聯(lián)網(wǎng)金融平臺(tái)的大數(shù)據(jù)征信憑借自身海量資源和數(shù)據(jù)深度挖掘技術(shù)等獨(dú)特優(yōu)勢(shì),正在成為發(fā)展信用經(jīng)濟(jì)的新標(biāo)準(zhǔn)。改革開(kāi)放以來(lái)我國(guó)的企業(yè)整體發(fā)展勢(shì)頭良好,但其中小型和微型的企業(yè)仍然占有很大的比例。這些企業(yè)在做大做強(qiáng)的道路中最主要的問(wèn)題便是融資十分困難。金融信貸是一個(gè)有風(fēng)險(xiǎn)的業(yè)務(wù),其風(fēng)險(xiǎn)主要可能出現(xiàn)在貸款前和貸款后——貸款之前的問(wèn)題是貸款企業(yè)的資信狀況是否良好;貸款之后的問(wèn)題是所貸資金以怎樣的形式流通。而這兩個(gè)方面也就成為了信貸風(fēng)險(xiǎn)防范的兩個(gè)針對(duì)點(diǎn)。貸款前的風(fēng)險(xiǎn)可以比較好的防范,而貸款后的風(fēng)險(xiǎn),便不太容易控制,這便是傳統(tǒng)信貸不能更好幫助小型和微型企業(yè)的癥結(jié)所在。通過(guò)互聯(lián)網(wǎng)對(duì)貸款企業(yè)的信用狀況進(jìn)行考察,并實(shí)時(shí)跟蹤其經(jīng)營(yíng)狀況,可以比較有效的解決以上問(wèn)題,使不良貸款有更少的可乘之機(jī)。本文主要探討互聯(lián)網(wǎng)金融征信對(duì)小微企業(yè)發(fā)展的推動(dòng)作用。全文主要包括五個(gè)部分,第一部分為緒論;第二部分為本文的相關(guān)理論;第三部分為互聯(lián)網(wǎng)金融征信對(duì)小微企業(yè)融資的積極作用;第四部分為國(guó)外互聯(lián)網(wǎng)金融征信體系建設(shè)的經(jīng)驗(yàn)啟示;第五部分為對(duì)策建議;第六部分為結(jié)論。
[Abstract]:Credit economy is the only way to develop modern market economy. However, the booming rise of Internet financial platform has brought a great influence to the traditional credit system. Based on the Internet financial platform, big data's credit reporting has its own unique advantages, such as massive resources and deep data mining technology, and so on. Is becoming a new standard for the development of credit economy. Since the reform and opening up, the overall development momentum of Chinese enterprises has been good. But small and micro businesses still account for a large proportion of them. The main problem for these companies on the way to becoming bigger and stronger is the difficulty of financing. Financial credit is a risky business. Its risk may mainly appear before and after the loan-the question before the loan is whether the credit condition of the loan enterprise is good or not; After the loan, the question is how the funds are flowing. And these two aspects have become the two targets of credit risk prevention. The risk before the loan can be better protected, but the risk after the loan is not easily controlled. This is the crux of the fact that traditional credit cannot better help small and micro enterprises. By examining the credit status of loan enterprises through the Internet and tracking their operating conditions in real time, we can solve these problems more effectively. This paper mainly discusses the role of Internet financial information in promoting the development of small and micro enterprises. The full text mainly includes five parts, the first part is the introduction, the second part is the related theory of this paper. The third part is the positive effect of Internet financial information on the financing of small and micro enterprises; the 4th part is the experience and inspiration of the construction of foreign Internet financial credit system; the 5th part is the countermeasures and suggestions; and the 6th part is the conclusion.
【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F276.3;F832.4

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