發(fā)布時間：2018-08-27 18:48

【摘要】：在我國新經(jīng)濟環(huán)境下,經(jīng)濟的發(fā)展和經(jīng)濟結(jié)構(gòu)的調(diào)整都需要小微企業(yè)。但是,小微企業(yè)在發(fā)展過程中,存在的融資難、融資貴在我國是一個長期的難題。隨著互聯(lián)網(wǎng)技術(shù)的日益成熟,尤其是移動支付、云計算等技術(shù)的突破發(fā)展,給金融業(yè)發(fā)生了巨大變化�；ヂ�(lián)網(wǎng)金融的出現(xiàn),因其開放、包容、針對性強等優(yōu)勢,使得人們普遍認為其將成為有效解決小微企業(yè)融資困境的一種新途徑�；诨ヂ�(lián)網(wǎng)金融的背景和小微企業(yè)融資環(huán)境,本文首先闡述了小微企業(yè)融資現(xiàn)狀以及產(chǎn)生融資困難的原因,作為經(jīng)濟社會重要部分的小微企業(yè)由于自身和現(xiàn)有的金融機構(gòu)導致了難以滿足小微企業(yè)融資需求。其次,分析了互聯(lián)網(wǎng)金融的發(fā)展狀況、常見模型以及對小微企業(yè)融資的影響�；ヂ�(lián)網(wǎng)金融自誕生以來,很多研究者認為由于其獨特的優(yōu)勢在解決小微企業(yè)融資難、融資貴的問題上表現(xiàn)出很大的作用。但伴隨著互聯(lián)網(wǎng)金融的快速發(fā)展,各種問題開始出現(xiàn),最為突出的是信息安全和風險問題,這對于互聯(lián)網(wǎng)金融行業(yè)、小微企業(yè)和政府三方都帶來了新的考驗。再次通過數(shù)學模型、定量及定性分析方法、與傳統(tǒng)融資方式的比較方法,分析了互聯(lián)網(wǎng)金融對于資金需求方的小微企業(yè)來說,通過改進成本、流程從而降低交易成本,提高借貸效率,提升小微企業(yè)融資獲得率。最后總結(jié)全文并得出了結(jié)論:互聯(lián)網(wǎng)金融對緩解小微企業(yè)融資難問題有積極作用,同時互聯(lián)網(wǎng)金融發(fā)展中的一些問題也要引起國家以及企業(yè)的重視,小微企業(yè)自身也應(yīng)該積極提高管理水平,增強融資能力。
[Abstract]:In the new economic environment of our country, the development of economy and the adjustment of economic structure need small and micro enterprises. However, in the process of development of small and micro enterprises, financing is difficult, financing is a long-term problem in China. With the development of Internet technology, especially the breakthrough of mobile payment and cloud computing, great changes have taken place in the financial industry. The emergence of Internet finance, due to its advantages of openness, inclusiveness and strong pertinence, makes people generally think that Internet finance will become a new way to solve the financing dilemma of small and micro enterprises. Based on the background of Internet finance and the financing environment of small and micro enterprises, this paper firstly expounds the present situation of financing of small and micro enterprises and the reasons for the financing difficulties. As an important part of economy and society, small and micro enterprises are difficult to meet the financing needs of small and micro enterprises because of their own and existing financial institutions. Secondly, it analyzes the development of Internet finance, common models and its impact on financing of small and micro enterprises. Since the birth of Internet finance, many researchers think that because of its unique advantages, it plays a great role in solving the financing problem of small and micro enterprises. However, with the rapid development of Internet finance, a variety of problems began to appear, the most prominent is information security and risk issues, which has brought a new test to the Internet finance industry, small and micro enterprises and government. Thirdly, by means of mathematical model, quantitative and qualitative analysis, and comparing with the traditional financing methods, this paper analyzes that Internet finance can reduce the transaction cost by improving the cost and the flow of the small and micro enterprises with capital demand. Improve the efficiency of lending, increase access to financing small and micro enterprises. Finally, the paper summarizes the full text and draws a conclusion: Internet finance has a positive effect on alleviating the financing difficulties of small and micro enterprises, and at the same time, some problems in the development of Internet finance also need to be paid attention to by the state and enterprises. Small and micro-enterprises themselves should also actively improve the level of management, enhance financing capacity.
【學位授予單位】：華北電力大學(北京)
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.4;F276.3

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本文編號：2208121