基于P2P网络借贷的科技型小微企业融资风险研究

发布时间：2018-05-07 08:07

本文选题：P2P网贷 + 科技型小微企业　；参考：《南京工业大学》2016年硕士论文

【摘要】：科技型小微企业拥有很强的创新能力,遍布社会各个角落的小微企业为民众提供了大量的就业岗位,更重要的是,其在提升国家综合创新能力方面发挥着举足轻重的作用。但是科技型小微企业在遇到融资困难时,在我国传统的金融系统中处于弱势地位。近年来,互联网技术发展迅猛,并渗透进入金融领域,互联网金融发展也突飞猛进,其中一个典型代表模式是P2P网贷。P2P网贷作为新金融的一种形式,覆盖了诸多传统金融未曾涉及的领域,成为了我国传统金融体系的很好的补充。科技型小微企业通过传统商业银行现有的金融服务体系难以解决融资问题,P2P网贷凭借其普惠金融、小微金融的特点,为解决科技型型小微企业融资问题提供了新的可能。在此背景下,本文研究基于P2P网络借贷的科技型小微企业融资风险研究。本文首先研究总结现有关于P2P网贷模式、科技型小微企业融资以及两者结合的相关文献,发现关于P2P网贷应用于科技型小微企业融资的研究比较有限。随后,本文对P2P网贷典型模式以及发展现状进行了介绍,对科技型小微企业的融资现状及存在问题进行了分析,然后运用博弈论方法研究各参与方之间的行为关系,发现存在的风险因素。为了更全方面地分析科技型小微企业P2P网贷融资过程中存在的风险,本文接下来利用风险树搜寻法分别对来自三大参与主体——科技型小微企业、投资人和P2P网贷平台以及外部法律监管的风险进行了识别。然后,利用层次分析法构建P2P网贷模式应用于科技型小微企业融资过程的风险指标层次模型,对可能存在的风险要素进行评估。最后,理论结合模型,分别从三大参与主体和法律监管几个方面提出了对策和建议。科技型小微企业方面主要包括提升运营管理能力、建立协同资金退出机制,投资者方面主要包括建立投资者教育机制、构建投资者风险测评和资金来源审核体系,P2P网贷平台方面主要包括加强对平台的风控信审、加强信息披露程度,并实现资金托管,强化网络信息技术,法律监管方面主要包括明确监管主体和监管机制的建立、知识产权保护以及平台退出机制的建立。
[Abstract]:Science and technology small and micro enterprises have strong innovation ability. Small and micro enterprises in every corner of society provide a large number of jobs for the people. More importantly, they play an important role in promoting the comprehensive innovation ability of the country. However, small and micro-tech enterprises are in a weak position in the traditional financial system of our country when they encounter financing difficulties. In recent years, Internet technology has developed rapidly and infiltrated into the financial field, and the development of Internet finance has also developed by leaps and bounds. One of the typical representative models is P2P net loan. P2P network loan is a form of new finance. It covers many fields not involved in traditional finance, and becomes a good supplement to the traditional financial system of our country. Through the existing financial service system of traditional commercial banks, it is difficult to solve the problem of financing by using P2P network loan. With the characteristics of inclusive finance and micro-finance, it provides a new possibility to solve the financing problem of technology-based small and micro enterprises. In this context, this paper studies the financing risk of technology-based micro-enterprises based on P2P network lending. This paper firstly studies and summarizes the existing literatures on P2P network loan mode, financing of high-tech small and micro enterprises and the combination of the two, and finds that the research on the application of P2P network loan to the financing of science and technology small and micro enterprises is relatively limited. Then, this paper introduces the typical model and development status of P2P network loan, analyzes the financing status and existing problems of small and micro enterprises, and then uses game theory to study the behavioral relationship between the participants. Identify risk factors. In order to analyze the risks in the process of P2P network loan financing, this paper uses the risk tree search method to analyze the risk in the process of P2P financing. Investors and P2P network lending platform as well as external legal supervision of the risk identified. Then, the risk index hierarchy model of P2P network loan model applied to the financing process of science and technology small and micro enterprises is constructed by AHP, and the possible risk factors are evaluated. Finally, combined with the model, the author puts forward the countermeasures and suggestions from three main bodies of participation and several aspects of legal supervision. Science and technology small and micro enterprises mainly include improving the ability of operation and management, establishing cooperative capital withdrawal mechanism, and investors mainly including the establishment of investor education mechanism. The construction of investor risk assessment and fund source audit system includes strengthening the risk control of the platform, strengthening the degree of information disclosure, realizing the fund custody, and strengthening the network information technology, including strengthening the risk control of the platform, strengthening the information disclosure degree, and strengthening the network information technology. Legal supervision mainly includes the establishment of regulatory subject and regulatory mechanism, the protection of intellectual property rights and the establishment of platform exit mechanism.
【学位授予单位】：南京工业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.4

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