互联网金融背景下电商小微企业融资研究

发布时间：2018-06-27 09:37

本文选题：互联网 + 电商小微企业　；参考：《东北师范大学》2016年硕士论文

【摘要】：随着“互联网+”时代的到来,电商小微企业得到了快速发展。电商小微企业是众多小微企业中的一种,但其以互联网作为运营支撑平台的这一特点,是和其他小微企业最大的区别。电商小微企业和普通小微企业一样,面临着经营规模较小,经营风险大,信用等级不足等诸多问题,这就使得它们在传统金融机构中贷款难度增大,获得支持十分有限。同时,我们也看到,随着互联网技术的发展,以阿里小贷、P2P等模式为代表的新型互联网金融迅速发展壮大,并严重冲击着传统金融业的业务,其服务的对象是众多传统银行机构看不上的业务标的,其原因就在于新兴的互联网融资具有较高的快捷性、方便性,再加上大数据平台的支持,这些特点使互联网金融的发展增速远高于传统金融业务。我们不难发现,电商小微企业与互联网金融的交集在于二者都依托互联网技术本身,都有海量交易在该平台上发生,数据间有着千丝万缕的联系。电商小微企业以互联网平台为基础进行交易和运营,通过大数据分析可以了解其经营状况,该信息可通过后台数据撮合,在满足一定互联网金融机构风控的前提下,使得电商小微企业更容易从互联网融资机构那里获得贷款,以解决其融资需求频、用资周期短、信用等级不足的问题。而互联网金融机构,通过后台大数据技术,将海量小微企业信息聚合,通过不同的风控技术和担保条件,由系统自动快速放贷和收款,在平台上实现对电商小微企业的资金融通。由于电商小微企业和互联网金融在我国起步较晚,我国在电商小微企业互联网融资模式上并没有形成系统性的研究,因此对电商小微企业基于互联网的融资模式进行研究是很有必要的。因此,文章以电商小微企业为对象,对其互联网融资模式进行了举例分析,具有一定的创新意义和实践指导意义。文章在电商小微企业、互联网金融等相关概念阐述的基础上提出了几种互联网融资模式,并介绍了国外先进的互联网融资经验对我国互联网融资的启示;然后,对我国电商小微企业互联网融资需求现状、存在问题原因等进行了分析,归纳出当前我国电商小微企业不能很好获取资金的本质;继而对我国互联网融资中常用的三种融资模式,如阿里小贷、网络联保贷、网络循环贷进行了详细的介绍和比较分析,利用SWOT方法剖析了每种互联网融资模式,加深我们对互联网融资模式的理解,并在此基础上提出电商小微企业在融资时更适用于选取哪种互联网融资方式。最后,对电商小微企业如何更好的结合互联网金融的发展来获取融通资金,以及互联网金融如何规范自己为众多电商小微企业提供资金服务提出了相应的建议,实现电商小微企业与互联网金融的融合、规范和有序发展。
[Abstract]:With the arrival of the "Internet" era, e-commerce small and micro enterprises have been rapid development. Electronic commerce and microenterprise is one of the many small and micro enterprises, but its operation support platform based on the Internet is the biggest difference with other small and micro enterprises. Like ordinary small and micro enterprises, electric small and micro enterprises are faced with many problems, such as small scale of operation, large risk of operation, insufficient credit rating and so on, which makes it more difficult for them to borrow in traditional financial institutions and obtain very limited support. At the same time, we also see that with the development of Internet technology, the new type of Internet finance, represented by Ali's small loan P2P model, has developed rapidly, and has seriously impacted the business of the traditional financial industry. Its services are the object of many traditional banking institutions do not like the business, the reason is that the emerging Internet financing has a high speed, convenience, plus the support of the big data platform, These characteristics make the growth rate of Internet finance far higher than traditional financial business. It is not difficult to find that the intersection of E-business and Internet finance lies in the fact that both of them rely on the Internet technology and have massive transactions on the platform, and the data are inextricably linked. Based on the Internet platform, the small and micro enterprises can trade and operate on the basis of the Internet platform. Through big data analysis, they can understand their business situation. This information can be matched by backstage data, under the premise of satisfying the wind control of a certain Internet financial institution. It makes it easier for small and micro enterprises to obtain loans from Internet financing institutions to solve the problems of frequent financing demand, short capital cycle and insufficient credit rating. Internet financial institutions, through the backstage big data technology, aggregate large amounts of small and micro enterprise information, and through different wind control techniques and guarantee conditions, the system automatically and quickly lend and collect money. On the platform to achieve the financing of small and micro enterprises. Due to the relatively late start of e-business and Internet finance in China, there is no systematic research on the Internet financing model of e-business and micro-enterprise in China. Therefore, it is necessary to study the internet-based financing model of small and micro enterprises. Therefore, this paper takes the small and micro enterprises of electric commerce as the object, analyzes its Internet financing mode with examples, which has certain innovation significance and practical guiding significance. Based on the related concepts of E-business and Internet finance, this paper puts forward several kinds of Internet financing models, and introduces the enlightenment of foreign advanced Internet financing experience to China's Internet financing. This paper analyzes the current situation of the Internet financing demand and the reasons of the problems of the small and micro enterprises in our country, and concludes the essence that the small and micro enterprises in our country can not obtain the funds well. Then, this paper introduces and compares the three common financing modes of Internet financing in China, such as Ali small loan, network unsecured loan, network circulation loan, and analyzes each kind of Internet financing mode by using SWOT method. On the basis of deepening our understanding of Internet financing mode, this paper proposes which Internet financing mode is more suitable for small and micro enterprises. Finally, how to better combine the development of Internet finance to obtain financing funds, and how to standardize the Internet finance to provide financial services for a number of small and micro enterprises, put forward the corresponding suggestions. To achieve the integration of small and micro enterprises and Internet finance, standardized and orderly development.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6

【相似文献】