互联网金融时代的小微企业融资模式创新研究

发布时间：2018-05-04 11:02

本文选题：互联网金融 + 小微企业　；参考：《武汉理工大学》2015年硕士论文

【摘要】：小微企业是一个国家经济和社会发展的重要支撑,但是小微企业的发展受到了融资方面的制约。随着互联网金融的迅猛发展,出现了以第三方互联网平台为中介的小微企业融资模式的创新,这为解决小微企业融资难题提供了新思路。互联网金融时代下小微企业融资模式的创新能否有效的缓解小微企业融资难题?融资模式的创新是如何缓解小微企业融资难题的?为了解决这些问题,有必要了解小微企业融资难的原因、互联网金融的含义,在此基础上剖析互联网金融背景下小微企业融资的运行机理,分析和比较我国近年出现的主要新型融资模式。本文从小微企业融资难的角度出发,通过运用定量分析法、比较分析法、个案研究法以及博弈论的方法研究分析互联网金融与小微企业融资模式创新的问题。互联网金融背景下小微企业融资模式的创新对小微企业的发展具有重要意义。为此,通过查阅相关文献,本文做了以下研究:第一,对小微企业融资和互联网金融进行了理论分析。对小微企业的概念进行了界定,并分析了制约小微企业融资难的因素;界定了互联网金融的含义,分析了互联网金融的优势,剖析互联网金融背景下小微企业融资的运行机理。第二,选取了我国近年来出现的主要的新型小微企业融资模式进行分析和比较。主要选取了点对点融资模式、基于大数据的小额贷款融资模式、互联网供应链融资模式、互联网金融门户融资模式以及众筹融资模式,从运行机理以及风险控制方面进行了分析和比较。第三,运用博弈论分析互联网金融背景下小微企业融资中参与主体的决策过程。通过建立信号博弈模型,分析三种贝叶斯均衡下参与者的行为。最后,根据理论分析和博弈分析的结果,提出互联网金融背景下小微企业融资模式创新的对策建议。
[Abstract]:Small and micro enterprises are the important support of a country's economic and social development, but the development of small and micro enterprises is restricted by financing. With the rapid development of Internet finance, the innovation of financing mode of small and micro enterprises which is mediated by the third party Internet platform has emerged, which provides a new way to solve the financing problem of small and micro enterprises. In the era of Internet finance, can the innovation of financing mode of small and micro enterprises effectively alleviate the financing problems of small and micro enterprises? How does the innovation of financing mode alleviate the financing problem of small and micro enterprises? In order to solve these problems, it is necessary to understand the causes of the financing difficulties of small and micro enterprises, the meaning of Internet finance, and then analyze the operating mechanism of financing of small and micro enterprises under the background of Internet finance. This paper analyzes and compares the main new financing modes in China in recent years. From the point of view of financing difficulties of small and micro enterprises, this paper analyzes the problems of Internet finance and the innovation of financing mode of small and micro enterprises by means of quantitative analysis, comparative analysis, case study and game theory. Under the background of Internet finance, the innovation of financing mode of small and micro enterprises is of great significance to the development of small and micro enterprises. Therefore, by consulting the relevant literature, this paper does the following research: first, the small and micro enterprise financing and Internet finance are theoretically analyzed. This paper defines the concept of small and micro enterprises, analyzes the factors restricting the financing of small and micro enterprises, defines the meaning of internet finance, analyzes the advantages of internet finance, and analyzes the operating mechanism of financing of small and micro enterprises under the background of internet finance. Secondly, this paper analyzes and compares the main new financing models of small and micro enterprises in recent years. It mainly selects the point-to-point financing model, the micro-loan financing model based on big data, the Internet supply chain financing model, the Internet finance portal financing model and the crowdfunding mode. The operation mechanism and risk control are analyzed and compared. Thirdly, game theory is used to analyze the decision-making process of the participants in the financing of small and micro enterprises under the background of Internet finance. By establishing signal game model, the behavior of participants under three Bayesian equalization is analyzed. Finally, according to the results of theoretical analysis and game analysis, the paper puts forward the countermeasures and suggestions for the innovation of financing mode of small and micro enterprises under the background of Internet finance.
【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.4

【参考文献】