互联网金融征信对小微企业发展的推动作用研究

发布时间：2018-03-07 11:56

本文选题：互联网金融征信　切入点：小微企业　出处：《对外经济贸易大学》2017年硕士论文　论文类型：学位论文

【摘要】：信用经济是现代市场经济发展的必由之路,而互联网金融平台的蓬勃兴起对传统的征信体制带来了不可忽视的影响。基于互联网金融平台的大数据征信凭借自身海量资源和数据深度挖掘技术等独特优势,正在成为发展信用经济的新标准。改革开放以来我国的企业整体发展势头良好,但其中小型和微型的企业仍然占有很大的比例。这些企业在做大做强的道路中最主要的问题便是融资十分困难。金融信贷是一个有风险的业务,其风险主要可能出现在贷款前和贷款后——贷款之前的问题是贷款企业的资信状况是否良好;贷款之后的问题是所贷资金以怎样的形式流通。而这两个方面也就成为了信贷风险防范的两个针对点。贷款前的风险可以比较好的防范,而贷款后的风险,便不太容易控制,这便是传统信贷不能更好帮助小型和微型企业的症结所在。通过互联网对贷款企业的信用状况进行考察,并实时跟踪其经营状况,可以比较有效的解决以上问题,使不良贷款有更少的可乘之机。本文主要探讨互联网金融征信对小微企业发展的推动作用。全文主要包括五个部分,第一部分为绪论;第二部分为本文的相关理论;第三部分为互联网金融征信对小微企业融资的积极作用;第四部分为国外互联网金融征信体系建设的经验启示;第五部分为对策建议;第六部分为结论。
[Abstract]:Credit economy is the only way to develop modern market economy. However, the booming rise of Internet financial platform has brought a great influence to the traditional credit system. Based on the Internet financial platform, big data's credit reporting has its own unique advantages, such as massive resources and deep data mining technology, and so on. Is becoming a new standard for the development of credit economy. Since the reform and opening up, the overall development momentum of Chinese enterprises has been good. But small and micro businesses still account for a large proportion of them. The main problem for these companies on the way to becoming bigger and stronger is the difficulty of financing. Financial credit is a risky business. Its risk may mainly appear before and after the loan-the question before the loan is whether the credit condition of the loan enterprise is good or not; After the loan, the question is how the funds are flowing. And these two aspects have become the two targets of credit risk prevention. The risk before the loan can be better protected, but the risk after the loan is not easily controlled. This is the crux of the fact that traditional credit cannot better help small and micro enterprises. By examining the credit status of loan enterprises through the Internet and tracking their operating conditions in real time, we can solve these problems more effectively. This paper mainly discusses the role of Internet financial information in promoting the development of small and micro enterprises. The full text mainly includes five parts, the first part is the introduction, the second part is the related theory of this paper. The third part is the positive effect of Internet financial information on the financing of small and micro enterprises; the 4th part is the experience and inspiration of the construction of foreign Internet financial credit system; the 5th part is the countermeasures and suggestions; and the 6th part is the conclusion.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F276.3;F832.4

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