互联网金融服务小微企业路径研究

发布时间：2019-05-30 05:45

【摘要】：占我国企业总数90%以上的小微企业,是我国经济的重要组成部分,然而其所获得金融服务与其经济地位严重不匹配,受小微企业自身经济特征和银行等金融机构模式所限,以银行为代表的传统金融机构无法有效满足小微企业的金融需求,融资难、融资贵等金融困境成为阻碍我国小微企业发展的主要枷锁。互联网金融这一新型金融业态以其独特的优势为解决小微企业金融困境提供了新的解决方案。本文主要分为四部分,文章首先在总结了小微企业的主要经济特征、融资需求特点和金融困境表现的基础上,分析了小微企业金融困境产生的原因;并针对小微企业金融问题的主要表现,分析了互联网金融的应对与解决机制,配合运用SWOT分析对互联网金融服务小微企业做出了全面评估,为文章奠定了理论基础。其次,在谢平教授互联网金融三大支柱理论和互联网金融主要类型的基础上,将互联网金融服务小微企业的路径概括为:信息路径、融资路径和支付路径,对代表性互联网金融模式服务小微企业内在机制进行了剖析和评估;并通过对比分析了互联网金融和以银行为代表的传统金融服务小微企业路径的不同,论证了互联网金融服务小微企业的路径的优势与潜力。再次,以蚂蚁金服为案例,详尽分析了以芝麻信用为代表的信息路径、以蚂蚁小贷为代表的融资路径和以支付宝为代表的支付路径,三大路径服务小微企业的具体路径和成效,深入挖掘了蚂蚁金服生态系统服务小微的内在机制。最后,从完善征信体系、优化金融生态、明确经济定位,健全监管模式四个方面提出完善互联网金融服务小微企业路径的政策建议,进一步完善互联网金融服务小微企业的机制,助力小微企业发展。
[Abstract]:The small micro-enterprise accounting for more than 90% of the total number of enterprises in our country is an important part of our country's economy. However, the financial service is not matched with its economic position, and it is limited by the financial institutions such as the economic characteristics of the small micro-enterprise and the bank, etc. The traditional financial institution, which is represented by the bank, can not effectively meet the financial requirements of the small micro-enterprise, the financing difficulty, the finance and the other financial difficulties become the main chains of the development of the small-sized enterprises in our country. The new financial industry of Internet finance has provided a new solution for solving the financial difficulties of the small-scale enterprises with its unique advantages. This paper is divided into four parts. The article first summarizes the main economic characteristics, the characteristics of the financing demand and the performance of the financial distress of the small and micro-enterprises, analyzes the causes of the financial distress of the small-and-micro-enterprises, and focuses on the main performance of the financial problems of the small and micro-enterprises, This paper analyzes the coping and solving mechanism of Internet finance, and makes a comprehensive evaluation of the small micro-enterprise of Internet financial service by using the SWOT analysis, and lays a theoretical foundation for the article. Secondly, on the basis of Professor Xie Ping's three pillars of Internet finance and the main types of Internet finance, the path of the small micro-enterprise of Internet financial service is summarized as: information path, financing path and payment path. In this paper, the internal mechanism of the representative internet financial model service micro-enterprise is analyzed and evaluated, and the path of the small micro-enterprise of the traditional financial service represented by the bank is analyzed and analyzed, The advantage and potential of the path of the small micro-enterprise of Internet financial service are demonstrated. Thirdly, with the case of the ant's gold suit, the paper analyzes the information path represented by the sesame credit, the financing path represented by the ant's small loan and the payment path represented by Alipay, and the specific path and effect of the three major path service micro-enterprises. In-depth mining of the internal mechanism of the small and micro-micro-micro-service of the ant's golden suit ecosystem. Finally, from the aspects of improving the credit system, optimizing the financial ecology, making clear the economic positioning, and perfecting the supervision mode, the paper puts forward the policy suggestion to improve the path of the small micro-enterprise of the Internet financial service, further improve the mechanism of the small micro-enterprise of the Internet financial service, and assist the development of the small micro-enterprise.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832;F276.3

【参考文献】