我国小微企业融资视角下网络联保信贷问题研究

发布时间：2018-06-09 05:41

本文选题：网络联保信贷 + 企业配对　；参考：《广东财经大学》2013年硕士论文

【摘要】：目前我国小微企业的资金营运紧张，流动资金缺乏。缓解当下我国小微企业融资难的问题具有重要的意义。网络联保信贷模式借助阿里巴巴拥有的强大信息资源及成员企业间无限连带责任的制约，且无需任何抵押，迎合了小微企业抵押品缺乏，，难以获得融资的情形。本文首先通过分析我国小微企业融资难的原因及融资难的特点，引出实施网络联保信贷的必要性，通过分析网络联保信贷的现状及运作机制，阐述其降低银企信息不对称、降低企业贷款成本，一定程度上缓解了小微企业融资难题，而且也降低了银行放贷顾虑。当然，网络联保作为一种新型的信贷模式，还存在着很多的缺点与不足，本文主要分析了网络联保信贷放款方式不当、企业配对难、网络联保策略违约和系统性风险，且提出了网络联保信贷问题的成因，最后从政府、银行和网络公司方面提出了一些对策建议。
[Abstract]:At present, small and micro enterprises in China's capital operation is tight, the lack of liquidity. It is of great significance to alleviate the problem of financing of small and micro enterprises in China. With the help of the powerful information resources owned by Alibaba and the limitation of unlimited joint and several liability among member enterprises, the network UNPROFOR credit model caters to the lack of collateral for small and micro enterprises without any mortgage. Firstly, by analyzing the reasons and characteristics of financing difficulties of small and micro enterprises in China, the necessity of implementing network UNPROFOR credit is introduced, and the present situation and operation mechanism of network UNPROFOR credit are analyzed. It can reduce the information asymmetry of banks and enterprises, reduce the cost of loans, to some extent alleviate the financing problems of small and micro enterprises, but also reduce the bank lending concerns. Of course, as a new type of credit mode, network protection still has many shortcomings and shortcomings. This paper mainly analyzes the improper loan mode of network protection credit, the difficulty of enterprise matching, the default of network protection strategy and the systematic risk. Finally, the paper puts forward some countermeasures and suggestions from the government, banks and network companies.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F276.3;F832.4

【参考文献】