互联网金融服务小微企业融资创新研究

发布时间：2018-03-02 13:33

本文选题：小微企业　切入点：融资　出处：《华侨大学》2017年硕士论文　论文类型：学位论文

【摘要】：小微企业是就业市场的主力军,宏观经济下行大背景下,小微企业融资难问题日益突出,直接影响到小微企业的生存和发展,妥善解决小微企业融资难问题,事关全局,意义重大。互联网是划时代的技术进步,自20世纪70年代起源于美国后,经过40多年的高速发展,互联网信息技术在传统金融行业得到了广泛应用,对传统金融行业的变革和发展产生了深远的影响。随着互联网信息技术在金融行业的广泛应用和深化发展,互联网金融概念被国内学者提出和完善。互联网金融的发展可以分为两个阶段,第一阶段是互联网信息技术在传统金融行业的广泛应用,传统金融行业通过应用互联网信息技术来改造和重组原有的业务流程和组织架构,实现传统金融行业的互联网变革;第二阶段是类似阿里巴巴这些新兴的互联网企业通过应用互联网技术开展金融创新,对原有的传统金融行业支付交易方式、传统金融业务模式产生了颠覆式创新冲击,促进了金融投融资渠道和业务经营模式的创新发展。互联网金融通过广泛应用移动支付、大数据、云计算等现代互联网信息技术,努力实践去中介化,进一步降低信息不对称程度,提高资金配置效率,减少了交易双方的交易成本。互联网金融服务小微企业融资创新为我们做好小微企业金融服务工作、妥善解决小微企业融资难问题提供了一个全新的视角和解决思路。面向小微企业的互联网金融创新,缓解了小微企业融资难问题,有力推动了小微企业的良性发展。本文选取了两个案例:一是阿里电商小额贸易融资模式,简称阿里小贷。阿里小贷是我国特有的基于互联网金融所产生的金融创新,利用庞大的交易数据和信息流,通过这些数据挖掘分析来对客户进行信用评价和融资服务,扶持依托阿里电商平台上的小微企业发展。二是贵州天成控股基于移动互联信息技术构建的小微企业金融服务平台。通过以上两个案例的分析,本文提出互联网金融服务小微企业融资创新建议:一是进一步促进传统金融与互联网的深度融合,传统金融和互联网金融合作空间巨大,可以优势互补,深化合作;二是通过大数据、移动互联网、云计算等互联网技术创新,可以实现把资金的供给与小微企业的融资需求在更大的范围内进行精确匹配,缓解小微企业融资难问题;三是加强互联网金融信息透明度,建设小微企业互联网金融信用数据库,完善小微企业信息披露渠道建设,降低信息获取成本;四是优化互联网金融发展环境,一方面政府要加大政策扶持适度宽容,另一方面也要加强互联网金融监管防范风险。
[Abstract]:Small and micro enterprises are the main force of the job market. Under the background of the macroeconomic downturn, the financing difficulties of small and micro enterprises become increasingly prominent, which directly affect the survival and development of small and micro enterprises, and properly solve the financing difficulties of small and micro enterprises, which have a bearing on the overall situation. The Internet is an epoch-making technological progress. Since 1970s, when it originated in the United States, after more than 40 years of rapid development, Internet information technology has been widely used in the traditional financial industry. It has had a profound influence on the change and development of traditional financial industry. With the wide application and deepening development of Internet information technology in financial industry, The concept of Internet finance has been put forward and perfected by domestic scholars. The development of Internet finance can be divided into two stages. The first stage is the wide application of Internet information technology in traditional financial industry. The traditional financial industry uses Internet information technology to transform and reorganize the original business process and organizational structure to realize the Internet transformation of the traditional financial industry. The second stage is that new Internet enterprises such as Alibaba have used Internet technology to carry out financial innovation, which has had a disruptive and innovative impact on the original payment and transaction methods of the traditional financial industry and the traditional financial business model. It has promoted the innovative development of financial investment and financing channels and business models. Through the extensive use of modern Internet information technologies such as mobile payment, big data and cloud computing, Internet finance has endeavoured to practice disintermediation. Further reduce the degree of information asymmetry, improve the efficiency of capital allocation, and reduce the transaction costs of both parties. Internet financial services, small and micro enterprises financing innovation for us to do a good job in small and micro enterprise financial services, Properly solving the financing difficulties of small and micro enterprises provides a new perspective and solution. Internet financial innovation for small and micro enterprises alleviates the financing difficulties of small and micro enterprises. This paper selects two cases: one is the small trade financing mode of Alibaba e-commerce, which is referred to as Ali small loan. Ali small loan is the unique financial innovation based on Internet finance in China. Using the huge transaction data and information flow, through these data mining analysis to carry on the credit appraisal and the financing service to the customer, Supporting the development of small and micro enterprises based on Ali e-commerce platform. Second, the financial service platform for small and micro enterprises constructed by Guizhou Tiancheng Holdings based on mobile interconnection information technology. Through the analysis of the above two cases, This paper puts forward some innovative suggestions on the financing of small and micro enterprises in Internet financial services. Firstly, it is necessary to further promote the deep integration of traditional finance and the Internet. The cooperation between traditional finance and Internet finance has a huge space, which can complement each other's advantages and deepen cooperation; Second, through big data, mobile Internet, cloud computing and other Internet technology innovation, can achieve the supply of funds and the financing needs of small and micro enterprises in a larger range of accurate matching, to alleviate the financing difficulties of small and micro enterprises; Third, to strengthen the transparency of Internet financial information, to build a database of Internet financial credit for small and micro enterprises, to perfect the construction of information disclosure channels for small and micro enterprises, and to reduce the cost of obtaining information; fourth, to optimize the environment for the development of Internet finance. On the one hand, the government should increase policy support and moderate tolerance, on the other hand, it should strengthen Internet financial supervision to prevent risks.
【学位授予单位】：华侨大学
【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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