基于大数据的商业银行中小企业金融服务研究

发布时间：2018-11-28 14:08

【摘要】：改革开放以来,我国中小企业发展迅猛,成为我国经济发展的重要力量,然而中小企业融资问题一直难以破解,信息不对称与高交易成本,造成商业银行的信贷配给,是这一难题根本的原因。互联网金融的兴起,凭借大数据技术,有效缓解中小企业融资难题。与此同时,对商业银行的传统信贷业务造成巨大冲击。本文正是从大数据的角度入手分析商业银行如何在新兴的小微信贷市场竞争胜出。论文总共分为六个部分。首先,描述论文的研究背景,指出选题的意义,介绍论文的研究思路和框架结构。其次,整理总结互联网金融小微贷的理论基础,为下文的分析以及模型构建做铺垫。再者,研究目前互联网金融小微贷的主要模式,分析商业银行小微贷的现状,总结商业银行在互联网金融行业的优势、劣势、机会和威胁。第四部分,构建基于大数据的电子商务平台、银行、中小企业三方的数学模型,从理论上证明大数据技术对于破解中小企业融资难题的重要性。接着,通过案例更为细致的研究,分析大数据在其中所起的作用,指出新型的融资模式是如何解决中小企业融资问题的。最后,对全文做一个总结,并基于前文的分析提出相应的策略和建议。该研究的开展,对于商业银行拓展小微信贷业务,具有明显的借鉴和指导意义。
[Abstract]:Since the reform and opening up, small and medium-sized enterprises in China have developed rapidly and become an important force in the economic development of our country. However, the financing problem of small and medium-sized enterprises has always been difficult to solve. Information asymmetry and high transaction costs have resulted in the credit rationing of commercial banks. Is the root cause of this problem. The rise of Internet finance, relying on big data technology, effectively alleviate the financing problems of small and medium enterprises. At the same time, the traditional credit business of commercial banks has a huge impact. This paper analyzes how commercial banks win in the emerging micro-credit market from big data's point of view. The thesis is divided into six parts. First of all, it describes the research background, points out the significance of the topic, introduces the research ideas and framework. Secondly, collate and summarize the theoretical basis of internet finance micro-loan, and pave the way for the following analysis and model construction. Furthermore, this paper studies the main models of Internet finance micro-lending, analyzes the current situation of commercial banks' micro-lending, and summarizes the advantages, disadvantages, opportunities and threats of commercial banks in the Internet finance industry. In the fourth part, the author constructs a mathematical model of e-commerce platform based on big data, banks and small and medium-sized enterprises, which theoretically proves the importance of big data technology in solving the financing problems of small and medium-sized enterprises. Then, through a more detailed case study, this paper analyzes the role of big data in it, and points out how the new financing mode solves the financing problem of small and medium-sized enterprises. Finally, a summary of the full text, and based on the previous analysis of the corresponding strategies and suggestions. The development of this study has a clear reference and guidance significance for commercial banks to expand the small and micro-credit business.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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