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互联网金融发展对小微企业融资影响研究

发布时间:2018-08-27 18:48
【摘要】:在我国新经济环境下,经济的发展和经济结构的调整都需要小微企业。但是,小微企业在发展过程中,存在的融资难、融资贵在我国是一个长期的难题。随着互联网技术的日益成熟,尤其是移动支付、云计算等技术的突破发展,给金融业发生了巨大变化。互联网金融的出现,因其开放、包容、针对性强等优势,使得人们普遍认为其将成为有效解决小微企业融资困境的一种新途径。基于互联网金融的背景和小微企业融资环境,本文首先阐述了小微企业融资现状以及产生融资困难的原因,作为经济社会重要部分的小微企业由于自身和现有的金融机构导致了难以满足小微企业融资需求。其次,分析了互联网金融的发展状况、常见模型以及对小微企业融资的影响。互联网金融自诞生以来,很多研究者认为由于其独特的优势在解决小微企业融资难、融资贵的问题上表现出很大的作用。但伴随着互联网金融的快速发展,各种问题开始出现,最为突出的是信息安全和风险问题,这对于互联网金融行业、小微企业和政府三方都带来了新的考验。再次通过数学模型、定量及定性分析方法、与传统融资方式的比较方法,分析了互联网金融对于资金需求方的小微企业来说,通过改进成本、流程从而降低交易成本,提高借贷效率,提升小微企业融资获得率。最后总结全文并得出了结论:互联网金融对缓解小微企业融资难问题有积极作用,同时互联网金融发展中的一些问题也要引起国家以及企业的重视,小微企业自身也应该积极提高管理水平,增强融资能力。
[Abstract]:In the new economic environment of our country, the development of economy and the adjustment of economic structure need small and micro enterprises. However, in the process of development of small and micro enterprises, financing is difficult, financing is a long-term problem in China. With the development of Internet technology, especially the breakthrough of mobile payment and cloud computing, great changes have taken place in the financial industry. The emergence of Internet finance, due to its advantages of openness, inclusiveness and strong pertinence, makes people generally think that Internet finance will become a new way to solve the financing dilemma of small and micro enterprises. Based on the background of Internet finance and the financing environment of small and micro enterprises, this paper firstly expounds the present situation of financing of small and micro enterprises and the reasons for the financing difficulties. As an important part of economy and society, small and micro enterprises are difficult to meet the financing needs of small and micro enterprises because of their own and existing financial institutions. Secondly, it analyzes the development of Internet finance, common models and its impact on financing of small and micro enterprises. Since the birth of Internet finance, many researchers think that because of its unique advantages, it plays a great role in solving the financing problem of small and micro enterprises. However, with the rapid development of Internet finance, a variety of problems began to appear, the most prominent is information security and risk issues, which has brought a new test to the Internet finance industry, small and micro enterprises and government. Thirdly, by means of mathematical model, quantitative and qualitative analysis, and comparing with the traditional financing methods, this paper analyzes that Internet finance can reduce the transaction cost by improving the cost and the flow of the small and micro enterprises with capital demand. Improve the efficiency of lending, increase access to financing small and micro enterprises. Finally, the paper summarizes the full text and draws a conclusion: Internet finance has a positive effect on alleviating the financing difficulties of small and micro enterprises, and at the same time, some problems in the development of Internet finance also need to be paid attention to by the state and enterprises. Small and micro-enterprises themselves should also actively improve the level of management, enhance financing capacity.
【学位授予单位】:华北电力大学(北京)
【学位级别】:硕士
【学位授予年份】:2017
【分类号】:F724.6;F832.4;F276.3

【参考文献】

相关期刊论文 前10条

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本文编号:2208121


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