【摘要】：占我國(guó)企業(yè)總數(shù)90%以上的小微企業(yè),是我國(guó)經(jīng)濟(jì)的重要組成部分,然而其所獲得金融服務(wù)與其經(jīng)濟(jì)地位嚴(yán)重不匹配,受小微企業(yè)自身經(jīng)濟(jì)特征和銀行等金融機(jī)構(gòu)模式所限,以銀行為代表的傳統(tǒng)金融機(jī)構(gòu)無(wú)法有效滿足小微企業(yè)的金融需求,融資難、融資貴等金融困境成為阻礙我國(guó)小微企業(yè)發(fā)展的主要枷鎖�；ヂ�(lián)網(wǎng)金融這一新型金融業(yè)態(tài)以其獨(dú)特的優(yōu)勢(shì)為解決小微企業(yè)金融困境提供了新的解決方案。本文主要分為四部分,文章首先在總結(jié)了小微企業(yè)的主要經(jīng)濟(jì)特征、融資需求特點(diǎn)和金融困境表現(xiàn)的基礎(chǔ)上,分析了小微企業(yè)金融困境產(chǎn)生的原因;并針對(duì)小微企業(yè)金融問(wèn)題的主要表現(xiàn),分析了互聯(lián)網(wǎng)金融的應(yīng)對(duì)與解決機(jī)制,配合運(yùn)用SWOT分析對(duì)互聯(lián)網(wǎng)金融服務(wù)小微企業(yè)做出了全面評(píng)估,為文章奠定了理論基礎(chǔ)。其次,在謝平教授互聯(lián)網(wǎng)金融三大支柱理論和互聯(lián)網(wǎng)金融主要類型的基礎(chǔ)上,將互聯(lián)網(wǎng)金融服務(wù)小微企業(yè)的路徑概括為:信息路徑、融資路徑和支付路徑,對(duì)代表性互聯(lián)網(wǎng)金融模式服務(wù)小微企業(yè)內(nèi)在機(jī)制進(jìn)行了剖析和評(píng)估;并通過(guò)對(duì)比分析了互聯(lián)網(wǎng)金融和以銀行為代表的傳統(tǒng)金融服務(wù)小微企業(yè)路徑的不同,論證了互聯(lián)網(wǎng)金融服務(wù)小微企業(yè)的路徑的優(yōu)勢(shì)與潛力。再次,以螞蟻金服為案例,詳盡分析了以芝麻信用為代表的信息路徑、以螞蟻小貸為代表的融資路徑和以支付寶為代表的支付路徑,三大路徑服務(wù)小微企業(yè)的具體路徑和成效,深入挖掘了螞蟻金服生態(tài)系統(tǒng)服務(wù)小微的內(nèi)在機(jī)制。最后,從完善征信體系、優(yōu)化金融生態(tài)、明確經(jīng)濟(jì)定位,健全監(jiān)管模式四個(gè)方面提出完善互聯(lián)網(wǎng)金融服務(wù)小微企業(yè)路徑的政策建議,進(jìn)一步完善互聯(lián)網(wǎng)金融服務(wù)小微企業(yè)的機(jī)制,助力小微企業(yè)發(fā)展。
[Abstract]:The small micro-enterprise accounting for more than 90% of the total number of enterprises in our country is an important part of our country's economy. However, the financial service is not matched with its economic position, and it is limited by the financial institutions such as the economic characteristics of the small micro-enterprise and the bank, etc. The traditional financial institution, which is represented by the bank, can not effectively meet the financial requirements of the small micro-enterprise, the financing difficulty, the finance and the other financial difficulties become the main chains of the development of the small-sized enterprises in our country. The new financial industry of Internet finance has provided a new solution for solving the financial difficulties of the small-scale enterprises with its unique advantages. This paper is divided into four parts. The article first summarizes the main economic characteristics, the characteristics of the financing demand and the performance of the financial distress of the small and micro-enterprises, analyzes the causes of the financial distress of the small-and-micro-enterprises, and focuses on the main performance of the financial problems of the small and micro-enterprises, This paper analyzes the coping and solving mechanism of Internet finance, and makes a comprehensive evaluation of the small micro-enterprise of Internet financial service by using the SWOT analysis, and lays a theoretical foundation for the article. Secondly, on the basis of Professor Xie Ping's three pillars of Internet finance and the main types of Internet finance, the path of the small micro-enterprise of Internet financial service is summarized as: information path, financing path and payment path. In this paper, the internal mechanism of the representative internet financial model service micro-enterprise is analyzed and evaluated, and the path of the small micro-enterprise of the traditional financial service represented by the bank is analyzed and analyzed, The advantage and potential of the path of the small micro-enterprise of Internet financial service are demonstrated. Thirdly, with the case of the ant's gold suit, the paper analyzes the information path represented by the sesame credit, the financing path represented by the ant's small loan and the payment path represented by Alipay, and the specific path and effect of the three major path service micro-enterprises. In-depth mining of the internal mechanism of the small and micro-micro-micro-service of the ant's golden suit ecosystem. Finally, from the aspects of improving the credit system, optimizing the financial ecology, making clear the economic positioning, and perfecting the supervision mode, the paper puts forward the policy suggestion to improve the path of the small micro-enterprise of the Internet financial service, further improve the mechanism of the small micro-enterprise of the Internet financial service, and assist the development of the small micro-enterprise.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832;F276.3

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