我国中小企业网络融资风险管理研究

发布时间：2018-06-12 17:57

本文选题：中小企业 + 网络融资　；参考：《中南大学》2012年硕士论文

【摘要】：在中国经济的发展方式结构转型过程中,中小企业发挥了重要作用。但一直困扰着中小企业的融资难问题,严重影响了中小企业的发展进程。面对着商业银行不愿意对中小企业特别是小微企业贷款的现实、商业银行以及其他金融机构对中小企业特别是小微企业的不了解以及我国中小企业特别是小微企业本身发展的不规范等现实问题,中小企业特别是小微企业的融资仍然举步维艰。针对中小企业融资“短、急、频、快”的特点,网络融资服务的诞生凭借着自身所具备的先天优势成为中小企业特别是小微企业获得资金支持的新方式、新渠道。虽然已经有一部分学者对网络融资进行了研究,但主要仍集中在理论层面,并将目光集中在如何发展网络融资这项业务上,但对网络融资本身所有的风险研究相对较少,对于网络融资中客户违约欠款的相关实证分析更是没有。本文基于网络融资以及风险管理等理论,将理论与中小企业特别是小微企业网络融资案例、网络融资内部信用风险的三方博弈以及网络融资客户违约欠款风险管理实证分析有机结合起来,对中小企业特别是小微企业网络融资风险管理进行研究,发现中小企业特别是小微企业网络融资具有成本低、零担保、利息计算方式灵活、贷款办理时间短等效率优势,适合在电子商务类企业以及贸易类中小企业特别是小微企业中大力推广,是有效解决中小企业特别是小微企业融资难问题的有效途径。另外,本文采用基于决策树以及传统二元Logistic回归模型的两阶段Logistic回归模型对中小企业特别是小微企业网络融资的外部违约欠款风险管理进行更加准确地评价分析,建立出了基本的风险识别体系。最后,本文根据研究所得结论,提出了针对于中小企业特别是小微企业网络融资未来发展对策和建议并根据网络融资模式提出了解决民间借贷规范化问题的解决办法。
[Abstract]:In China's economic development mode of structural transformation process, small and medium-sized enterprises have played an important role. However, it has been puzzling the financing problem of SMEs, which has seriously affected the development process of SMEs. Faced with the fact that commercial banks are unwilling to lend to small and medium-sized enterprises, especially small and micro enterprises, Commercial banks and other financial institutions do not understand small and medium-sized enterprises, especially small and micro enterprises, and the non-standard development of small and medium-sized enterprises, especially small and micro enterprises, in our country. The financing of small and medium-sized enterprises, especially small and micro enterprises, is still difficult. In view of the characteristics of "short, urgent, frequent and fast" financing for small and medium-sized enterprises, the birth of network financing service has become a new way and a new channel for small and medium-sized enterprises, especially small and micro enterprises, to obtain financial support by virtue of their innate advantages. Although some scholars have carried on the research on the network financing, but still focus on the theory level, and focus on how to develop the network financing business, but the research on the risk of the network financing itself is relatively few. There is no empirical analysis of customer default arrears in network financing. Based on the theory of network financing and risk management, this paper combines the theory with the network financing cases of small and medium-sized enterprises, especially small and micro enterprises. Combining the tripartite game of internal credit risk of network financing with the empirical analysis of risk management of default arrears of network financing customers, this paper studies the risk management of network financing for small and medium-sized enterprises, especially small and micro enterprises. It is found that the network financing of small and medium-sized enterprises, especially small and micro enterprises, has the advantages of low cost, zero guarantee, flexible way of calculating interest, short processing time and so on. It is suitable for e-commerce enterprises and small and medium-sized trade enterprises, especially small and micro enterprises. It is an effective way to solve the financing difficulties of small and medium-sized enterprises, especially small and micro enterprises. In addition, this paper uses the two-stage logistic regression model based on decision tree and traditional binary logistic regression model to evaluate and analyze the risk of external default arrears of small and medium-sized enterprises, especially small and micro enterprises, more accurately. The basic risk identification system is established. Finally, according to the conclusions of the study, this paper puts forward the countermeasures and suggestions for the future development of network financing for small and medium-sized enterprises, especially small and micro enterprises, and puts forward solutions to solve the problem of the standardization of private lending according to the mode of network financing.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F276.3

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