小微企业投资P2P网络借贷平台的可行性及风险研究

发布时间：2018-01-04 20:08

本文关键词：小微企业投资P2P网络借贷平台的可行性及风险研究　出处：《首都经济贸易大学》2016年硕士论文　论文类型：学位论文

【摘要】：P2P网络借贷是近几年我国发展最快的互联网金融创新行业,是以互联网为信息渠道为资金的供需双方提供中介服务的金融服务行业。当前我国参与P2P网络借贷平台投资活动的两个主要群体是众多短期有资金需求的小微企业融资群体和广大手中拥有大量闲置资金的个人投资者群体。但我国小微企业数量众多,总量规模巨大,所从事的行业覆盖了国民经济中的各个领域。在这些小微企业中需要依靠短期资金不断地补充的方式发展壮大的小微企业只占据了所有小微企业中的三到四成,有众多小微企业采取稳健的发展战略,多数利用的是自有资金,并且这其中有很大一部分企业自身还能留存有部分闲置资金。但这部分资金如果企业不能有效地利用,很容易受到当前利率降低、人民币贬值等风险的威胁。因此广大小微企业急需找到一种能够使自有闲置资金保值增值的渠道。本文正是基于这样的考虑,希望能将广大小微企业的这种需求和当前P2P网络借贷这种新型的投资方式相结合。因此,本文通过对当前我国小微企业和P2P网络借贷发展状况以及小微企业参与P2P网络借贷的现状的总结,进一步分析小微企业作为P2P网络借贷的投资者身份投资的必要性和可行性。为了尽可能的降低当前我国P2P网络借贷投资活动可能遇到的风险,帮助小微企业投资者找到适合自己的投资对象,笔者设计了一套集投资规划,平台综合筛选,后期总体评价为一体的小微企业P2P网络借贷投资模型,希望通过这套模型能为小微企业参与P2P网络借贷投资活动起到重要的指导作用。
[Abstract]:P2P network lending is the Internet financial innovation industry in recent years, China's rapid development, is to the Internet for information channels to provide intermediary services for the capital supply and demand sides of the financial services industry. The two main groups of the current P2P network lending platform to participate in investment activities in China is one of the many short-term funding needs Small and micro businesses financing groups and our hands have a large number of idle funds of the individual investor groups. But China's total number of Small and micro businesses, large scale, in the industry covering all areas of the national economy. Small and micro businesses need to rely on short-term funds to supplement the development only occupy all Small and micro businesses in three 40% in these Small and micro businesses, there are many Small and micro businesses take the sound development strategy, the majority is the use of its own funds, and there is a large part of the enterprise itself Also retained some idle funds. But this part of the funds if the enterprise can not effectively use, is vulnerable to the current interest rate is reduced, such as devaluation risk. Therefore the majority of Small and micro businesses need to find a method which can make its own idle funds to increase the value of the channel. This paper is based on this consideration, hoping to bring the demand the Small and micro businesses and the current P2P network lending this new type of investment combination. Therefore, based on the current situation of our country Small and micro businesses and P2P network lending development and Small and micro businesses to participate in the P2P network lending summary, further analysis of Small and micro businesses as the necessity and feasibility of investor investment lending P2P networks the. As far as possible in order to reduce the risk of the investment of China's P2P networks borrowing may encounter Small and micro businesses, help investors to find suitable for their own Investment object, the author designed a set of investment planning, comprehensive screening platform, and later overall evaluation as an integrated small and micro enterprise P2P network lending and investment model, hoping that this model can play an important guiding role for small and micro enterprises to participate in P2P network lending and investment activities.

【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.4;F276.3

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