互联网金融在陕西省中小企业转型升级融资中的应用研究

发布时间：2018-11-08 12:58

【摘要】：解决陕西省中小企业转型升级过程中的资金需求问题对该类企业成功实现转型升级,增强其竞争力保持可持续发展具有重要的现实意义。本文在界定中小企业转型升级内涵、搭建互联网金融与企业转型升级桥梁的基础上,结合陕西省中小企业转型升级之实践,以解决中小企业转型升级过程中的资金需求为目的,重点分析了管理转型、商业模式转型、行业转型和企业升级等四种陕西省中小企业常用的转型升级战略的动因以及其资金需求特征,论述了 P2P网贷、众筹和电商金融等互联网金融工具在解决中小企业转型升级资金需求中的优势,并分析了陕西省中小企业转型升级过程中应用互联网金融解决融资问题的现状。研究结论表明,互联网金融与中小企业转型升级融资有着高度的匹配,互联网金融的融资优势可以弥补传统融资渠道中的不足,为中小企业转型升级提供资金支持,但是,陕西省中小企业相比于东部地区和西部地区的四川省,并没有充分发挥互联网金融在中小企业转型升级融资中的作用。因此,为促进陕西省中小企业转型升级,本文从中小企业、互联网金融企业以及政府三方行为主体角度提出政策建议。中小企业要转变对互联网金融的认识,积极运用互联网金融解决转型升级资金需求;互联网金融企业要积极支持中小企业转型升级融资,并积极推动互联网金融企业上市;政府要完善互联网金融制度,还需要加强与互联网金融企业的合作。
[Abstract]:To solve the problem of capital demand in the process of transformation and upgrading of small and medium-sized enterprises in Shaanxi Province, it is of great practical significance for such enterprises to successfully realize the transformation and upgrade and enhance their competitiveness to maintain sustainable development. On the basis of defining the connotation of transformation and upgrading of SMEs and building a bridge between Internet finance and enterprise transformation and upgrading, this paper combines the practice of transformation and upgrading of small and medium-sized enterprises in Shaanxi Province, in order to solve the needs of funds in the process of transformation and upgrading of small and medium-sized enterprises. This paper focuses on the analysis of the motivation and the characteristics of the capital demand of the transformation and upgrading strategies commonly used by small and medium-sized enterprises in Shaanxi Province, such as management transformation, business model transformation, industry transformation and enterprise upgrading, and discusses the P2P network loan. The advantages of Internet financial tools such as crowdfunding and ecommerce finance in solving the needs of small and medium-sized enterprises in the process of transformation and upgrading are analyzed, and the current situation of using Internet finance to solve financing problems in the process of transformation and upgrading of small and medium-sized enterprises in Shaanxi Province is analyzed. The research results show that Internet finance and SME transformation and upgrading financing have a high degree of matching, the financing advantages of Internet finance can make up for the shortcomings of traditional financing channels, and provide financial support for SMEs transformation and upgrading, but, Compared with the eastern and western Sichuan Province, the small and medium-sized enterprises in Shaanxi Province do not give full play to the role of Internet finance in the transformation and upgrading of small and medium-sized enterprises. Therefore, in order to promote the transformation and upgrading of small and medium-sized enterprises in Shaanxi Province, this paper puts forward policy recommendations from the perspective of the tripartite behavior of SMEs, Internet financial enterprises and the government. Small and medium-sized enterprises should change their understanding of Internet finance, actively use Internet finance to solve the need of transforming and upgrading funds, Internet financial enterprises should actively support SMEs' transformation and upgrade financing, and actively promote the listing of Internet financial enterprises. The government wants to perfect Internet finance system, still need to strengthen the cooperation with Internet finance enterprise.
【学位授予单位】：西安科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F276.3;F275

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