商业银行创新性金融产品对轻资产企业的融资应用

发布时间：2018-06-05 02:02

本文选题：轻资产企业 + 互联网金融　；参考：《云南财经大学》2015年硕士论文

【摘要】：近年来轻资产企业特别是以互联网为承载和依托的信息技术,而缺乏各种“有钢筋水泥”作为抵押物的新型中小型企业。这类中小企业逐渐成为我国经济重要的组成部分,这类企业由于其自身的特殊性,融资始终是其企业发展的瓶颈,所以中小企业特别是在依托网络生存和发展的轻资产类中小企业融资难的成因及相应的解决办法一直是大家所关注和探讨话题。与此同时移动互联网时代带来的大数据、云计算等新技术,同样为银行业创新业务模式,借助资本市场的创新发展以及新型的融资业务奠定了基础。目前,借助国内资本市场,以及大数据的应用快速发展的契机,国内多家商业银行利用自身电子商务平台和相关资本市场,通过传统金融业务和互联网技术的双重优势,通过相关创新性融资打造消费和融资平台。消费,支付,融资一体化的“三位一体”新的综合金融服务平台。本论文以YD企业通过资本市场,券商,商业银行的创新性融资为例,运用SWOT分析等管理工具,对轻资产企业的创新性融资进行分析研究,抛砖引玉,探寻其改善和优化的发展战略。本论文首先提出了研究的背景和意义,对轻资产企业的通过新型的融资方式的充分性,必要性进行了分析。对新型融资在国内外的应用问题小结;根据YD企业应用方法,剖析了YD企业解决方案和建议。其次,本文通过利用战略管理工具,分析YD企业的内外部环境,论证融资成本等方面的可行性分析。力求客观的反映出YD公司通过新型融资重要性和必要性。再次,对传统商业银行对轻资产YD企业创新性融资模式进行研究分析,从其运营定位、资源利用、金融配套服务、推广策略、融资风险管理等进行全面分析,并在此基础上提出“轻资产企业”融资亟待解决的问题。最后,对依据YD企业在创新性融资中实际应用与效果归纳,分析,证实推行创新性融资与传统融资方式比较中,确实能够降低企业融资成本,从而提升企业竞争能力。并对不足之处进行归纳分析,为轻资产的企业在未来进一步推行融资作为参考依据策略提出优化和改善的建议。
[Abstract]:In recent years, light assets enterprises, especially the information technology supported by the Internet, lack of all kinds of "reinforced concrete" as collateral for the new type of small and medium-sized enterprises. These small and medium-sized enterprises have gradually become an important part of our economy. Because of their own particularity, financing has always been the bottleneck of their enterprise development. Therefore, the causes and corresponding solutions of the financing difficulties of small and medium-sized enterprises with light assets, which depend on the network survival and development, have always been a topic of concern and discussion. At the same time the new technologies such as big data cloud computing and so on brought by the era of mobile Internet have also laid the foundation for the banking industry to innovate its business model with the help of the innovative development of the capital market and the new financing business. At present, with the help of the domestic capital market and the opportunity of rapid development of the application of big data, many domestic commercial banks take advantage of their own e-commerce platforms and related capital markets, through the dual advantages of traditional financial business and Internet technology. Through the relevant innovative financing to build consumption and financing platform. Consumption, payment, financing integration of the "Trinity" of the new comprehensive financial services platform. This paper takes the innovative financing of YD enterprises through the capital market, securities dealers, commercial banks as an example, using SWOT analysis and other management tools to analyze and study the innovative financing of light assets enterprises. Explore its improvement and optimization of the development strategy. In this paper, the background and significance of the research are put forward, and the adequacy and necessity of the light asset enterprises through new financing methods are analyzed. This paper summarizes the application of new financing at home and abroad, and analyzes the solutions and suggestions of YD enterprises according to the application methods of YD enterprises. Secondly, through the use of strategic management tools, this paper analyzes the internal and external environment of YD enterprises, demonstrates the feasibility of financing costs. Strive to objectively reflect the importance and necessity of YD Company through new financing. Third, the traditional commercial banks to light assets YD enterprise innovative financing model research and analysis, from its operational positioning, resource utilization, financial support services, promotion strategies, financing risk management and other comprehensive analysis, On the basis of this, the paper puts forward the problems to be solved urgently in the financing of light assets enterprises. Finally, according to the actual application and effect of YD enterprise in innovative financing, it is proved that in the comparison of innovative financing and traditional financing, the cost of enterprise financing can be reduced and the competitiveness of enterprise can be enhanced. And the deficiency is summarized and analyzed, and the suggestions of optimization and improvement are put forward for the enterprises with light assets to carry out further financing as the reference strategy in the future.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F275;F832.2

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