小微企业P2P网络借贷可得性研究

发布时间：2018-03-24 10:18

本文选题：小微企业　切入点：P2P网贷　出处：《东北师范大学》2017年硕士论文

【摘要】：小微企业在国民经济中占有重要的作用,但是由于小微企业自身财务制度不健全、缺乏抵押品等原因,很难从银行等传统渠道借到资金,所以小微企业融资难问题一直没有得到解决。近年来互联网金融发展迅速,P2P网络借贷平台层出不穷,市场、业务不断创新,P2P网贷等新事物为解决小微企业融资难提供了契机。P2P网络借贷平台通过借款人信息披露和线下调查等方式降低了信息不对称程度,一旦投资人预期收益超过了投资人的资金机会成本、交易成本和风险补偿,小微企业的融资需求就能得到满足。但是小微企业借款成功率仍有待提高,即使发展较早的网贷平台借款成功率也只有百分之三四十左右。本文旨在研究小微企业获取P2P网络借贷的影响因素并提高小微企业网贷成功概率。本文将按照如下顺序来阐述:第一章介绍小微企业融资难现状和原因,探讨P2P网络借贷的出现对缓解小微企业融资难的作用。然后罗列了国内外P2P网络借贷的研究现状,最后提出本文的创新之处是在影响因素中引入地区变量。第二章介绍本文相关理论基础,比如金融长尾理论、金融共生理论和信息不对称理论。第三章介绍了小微企业P2P网络借贷的现状和面临的问题。第四章选取“人人贷”作为研究对象,用LocoyPlatform数据搜集器搜集“人人贷”平台2016年6月至2017年3月的交易数据,介绍了数据来源平台和构造二值逻辑模型。通过回归分析发现年龄、房产和车产因素对小微企业P2P网络贷款成功率影响较弱,以下因素对申请人能否顺利筹到借款影响较强,借款金额、借款年利率、借款期限、违约次数与P2P网络贷款成功率呈负相关,信用等级、教育背景、授信额度、收入、所在城市富裕程度与P2P网络贷款成功率呈正相关。最后在第五章进行总结,针对小微企业、P2P网贷平台和政府提出建议,旨在发挥P2P网络借贷平台的中介作用,满足小微企业融资需求,同时规范P2P网络借贷平台。
[Abstract]:Small and micro enterprises play an important role in the national economy. However, because of the imperfect financial system of small and micro enterprises and the lack of collateral, it is very difficult to borrow funds from traditional channels such as banks. So the problem of financing for small and micro enterprises has not been solved. In recent years, the rapid development of Internet finance has led to the emergence of P2P network lending platforms in endlessly, the market. Business innovation and new things such as P2P network loans provide an opportunity to solve the financing difficulties of small and micro enterprises. P2P network lending platforms reduce the degree of information asymmetry by means of borrowers' information disclosure and offline investigation. Once the expected return exceeds the investor's opportunity cost, transaction cost and risk compensation, the financing needs of the microenterprise can be met. But the success rate of the microenterprise borrowing still needs to be improved. The success rate of loan is only about 30% or 40%. The purpose of this paper is to study the factors that affect the access of small and micro enterprises to P2P network loans, and to improve the probability of success of small and micro enterprises network loan. In this paper, we will study the factors affecting the access of small and micro enterprises to P2P network loans. The first chapter introduces the current situation and reasons of financing difficulties of small and micro enterprises. This paper discusses the role of P2P network lending in alleviating the financing difficulties of small and micro enterprises. Then it lists the current research situation of P2P network lending both at home and abroad. Finally, the author points out that the innovation of this paper is to introduce regional variables into the influencing factors. The second chapter introduces the theoretical basis of this paper, such as the long-tail financial theory. Chapter three introduces the current situation and problems of P2P network lending for small and micro enterprises. Chapter four selects peer-to-peer lending as the research object. This paper uses LocoyPlatform data collector to collect transaction data from June 2016 to March 2017 of peer-to-peer lending platform, introduces the data source platform and constructs a binary logical model, and finds out the age by regression analysis. The factors of real estate and car production have a weak influence on the success rate of P2P network loans for small and micro enterprises. The following factors have a strong impact on the success of the loan, such as the amount of the loan, the annual interest rate of the loan, the term of the loan. The number of times of breach of contract is negatively correlated with the success rate of P2P network loan. The credit grade, educational background, credit line, income and the degree of wealth in the city are positively correlated with the success rate of P2P network loan. This paper puts forward some suggestions on P2P lending platform and government for small and micro enterprises in order to play the intermediary role of P2P network lending platform to meet the financing needs of small and micro enterprises and to standardize the P2P network lending platform at the same time.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4;F275

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