安徽省网贷平台小微企业融资担保模式调研报告

发布时间：2018-01-08 01:17

本文关键词：安徽省网贷平台小微企业融资担保模式调研报告　出处：《安徽财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：近几年互联网金融快速发展,而当中一部分不容忽视的力量网贷融资悄然兴起,更多的企业和个体利用网贷融资来满足自己的需求。当前小微企业正长期面临着融资难的问题,网贷平台的出现无疑缓解了这一困扰,而平台主要通过充当信息媒介的角色为投融资双方提供信息流通,在线上满足了许多小微企业的融资需求。但是,网贷平台刚刚进入发展阶段,特别是安徽省网贷平台,相对于全国网贷行业来说发展并不成熟,近几年快速发展的同时也伴随着问题平台的陆续出现,小微企业融资风险也逐渐显露,再加上当前我国出台的一系列监管细则也在一定程度上使网贷平台融资模式未来的发展方向变得不明确。在这样的背景下,安徽省网贷平台融资担保模式下哪种模式最适合小微企业融资环境以及这种模式实际运行过程中存在的问题是本次调研活动主要调查和研究的问题,也为小微企业有效利用网贷平台融资提供有效参考。首先,通过网络调查、网站查询等多种方法对安徽省30家网贷平台实际运行的基本情况、融资担保模式下几种主要模式实际运用情况以及17家平台第三方担保模式运行状况进行了全面调查;其次,在研究我国近几年陆续出台的一系列互联网金融监管细则的基础上,通过安徽互联网金融家平台对安徽10家代表性网贷平台进行问卷调查,从平台基本信息、担保融资的规模、成本、优势与风险等方面设计问卷并整合调查所得结果,利用描述性统计分析、比较分析等方法,得出安徽省网贷平台融资担保主要模式即第三方担保模式面临着监管政策不明确、担保机构担保能力不足、融资成本高、小微企业实际融资少等问题的结论。最后,针对安徽省网贷平台第三方担保模式运行过程中面临的问题,提出了建立融资担保评级体系、细化担保制度以及监管政策、完善征信体系等的优化建议。
[Abstract]:The rapid development of Internet banking in recent years, and a part of net loan financing can not be ignored in the quietly rising, more and more enterprises and individuals use the net loan financing to meet their own needs. The current Small and micro businesses are faced with long-term financing problems, there is no doubt the net loan platform to alleviate this problem, and as the information platform is mainly through the role of the media to provide information for the financing of both online circulation, to meet the financing needs of many Small and micro businesses. However, the net loan platform has just entered the stage of development, especially in Anhui Province, the net loan platform relative to the national net loan industry development is not mature, the rapid development in recent years at the same time along with the platform to come, Small and micro businesses financing risk is gradually revealed, a series of regulatory rules plus the current of our country has to a certain extent, so that the net loan financing platform model The direction of development to become not clear. In this context, Anhui net loan platform financing guarantee mode under which mode is most suitable for Small and micro businesses financing environment of this mode and actual problems during the operation is the main research activities of investigation and research, but also for the effective use of net loan Small and micro businesses the financing platform to provide effective reference. First of all, through the network investigation, the basic situation of the website and other methods to the actual operation of Anhui province 30 net loan platform, financing guarantee mode of several main modes of application and 17 platform third party guarantee mode of comprehensive investigation; secondly, based on research in China in recent years the introduction of a series of Internet financial regulatory rules, through the Internet platform of Anhui financiers in Anhui were investigated 10 representative net loan platform, from the platform The basic information, guarantee financing scale, cost advantages and risk integration design questionnaire and survey results, using descriptive statistical analysis, comparative analysis and other methods, it is concluded that the main mode of Anhui province net loan financing platform guarantees that the third party guarantee mode is facing unclear regulatory policy guarantee institutions guarantee ability is insufficient, the cost of financing high Small and micro businesses, the actual financing problems such as less conclusions. Finally, facing the operation of Anhui net loan platform third party guarantee mode in the process of problem, put forward to establish financing guarantee rating system, fine guarantee system and supervision policy, optimization suggestions to improve the credit system and so on.

【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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