中小企业网络融资模式研究

发布时间：2018-06-27 01:32

本文选题：网络融资 + 中小企业　；参考：《北京交通大学》2014年硕士论文

【摘要】：网络融资模式是互联网技术、电子商务与银行业务管理系统结合的产物,但是由于其产生时间较短,仍然具有一定的局限性。本文从网络融资模式的局限性出发,通过借鉴国内外融资模式,有针对性的对网络融资模式进行优化,以达到提高中小企业网络融资模式效率的目的。中小企业融资问题是本文的研究对象,因此本文先对现有网络融资服务的运行模式进行了分类分析。并对网络融资产生的原因进行了分析,进而从贷款成功率、贷款时效、贷款利率费用、便利性、目标客户特征、交易成本以及风险控制几个方面分析了网络融资与线下融资的异同。从平台与企业黏合度、信用风险以及平台工作效率、平台信用体系建设、网络融资行业相关政策几方面深入分析了现有网络融资模式的局限性。在分析了国内外网络借贷模式、供应链融资模式以及中小企业互助担保模式后,以网络融资平台与金融机构竞争合作关系、网络融资平台民间资本运用为研究创新点,对网络融资模式进行了优化。优化后网络融资平台与金融机构的竞争关系变为合作关系；增加了民间资本对中小企业的授信模式；运用网络供应链集中授信及中小企业网络互助担保模式稳定网络融资体系。最终本文根据现有网络融资模式及优化方案设计了优化后的网络融资模式流程,分析了优化后网络融资模式各主体职能,并针对行业现状进行了案例分析。
[Abstract]:The network financing model is the product of the combination of Internet technology, electronic commerce and banking business management system, but because of its short time, it still has some limitations. Based on the limitation of the network financing mode, this paper aims at improving the efficiency of the network financing mode of small and medium-sized enterprises by using the domestic and foreign financing mode for reference and optimizing the network financing mode. The financing problem of small and medium-sized enterprises is the object of this paper. The paper also analyzes the causes of network financing, and then from the loan success rate, loan limitation, loan interest rate charges, convenience, target customer characteristics, This paper analyzes the similarities and differences between online financing and offline financing in the aspects of transaction cost and risk control. This paper analyzes the limitations of the existing network financing mode from the following aspects: the degree of adhesion between the platform and the enterprise, the credit risk, the efficiency of the platform, the construction of the platform credit system, and the related policies of the network financing industry. After analyzing the domestic and foreign network lending mode, supply chain financing model and mutual guarantee mode of small and medium-sized enterprises, this paper takes the competitive cooperative relationship between network financing platform and financial institutions, and the application of private capital of network financing platform as the research innovation point. The network financing mode is optimized. After optimization, the competitive relationship between the network financing platform and financial institutions is transformed into cooperative relationship; the credit mode of private capital to small and medium-sized enterprises is added; and the network financing system is stabilized by the mode of centralized credit in network supply chain and mutual guarantee mode in network for small and medium-sized enterprises. Finally, according to the existing network financing model and optimization scheme, this paper designs the optimized network financing mode flow, analyzes the main functions of the optimized network financing mode, and carries on the case analysis according to the industry present situation.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F724.6;F832.4

【参考文献】