互联网金融支持小微企业融资模式分析
毕业论文关键词：互联网金融；小微企业；融资模式
Abstract
In recent years, Chinese small and micro enterprises contributed a lot to the rapid growth of the macro economy. Nevertheless, there are more and more problems in the growing small and micro enterprises. Lacking capital is the worst situation in which many small and micro enterprises always encountered. Traditional financial pattern couldn’t solve the financing problem of small and micro enterprises. As the third kind of financing mode, the Internet financial emerges at the right moment to solve the problems of the asymmetry information between the small and micro enterprise and bank. With the advantages of universal and benefit, cost, efficiency and information, Internet financing model fully conforms to the characteristics of small and micro enterprise financing demand, so that it has gradually become the new channels for small and micro enterprise financing. This paper analyzes several financing model that Internet financial support to small and micro enterprise, fully considers the the internal and external factors of small and micro enterprise financing difficulties, then combines with its demand, analyzes each kind of financing pattern innovative advantages and disadvantages, to give some suggestions to solve the problem of small and micro enterprise financing.
Key Words：Internet Finance；Small and micro enterprise；Financing mode
目 录
摘 要I AbstractII
一、引言1
二、互联网支持小微企业融资的依据与优势1
（一）内部因素：小微企业融资需求特点1
（二）外部因素：信息不对称与小微企业的信贷配给2
（三）互联网金融融资优势2
三、互联网金融对小微企业融资支持的四种典型模式3
（一）P2P网络借贷3
（二）众筹融资模式5
（三）大数据金融融资模式6
（四）金融垂直搜索平台7
四、互联网金融支持小微企业融资模式的建议8
（一）建立统一的征信系统8
（二）给予必要的政策支持9
（三）完善相关法制法规体系9
（四）开展融资教育10
参考文献11
致 谢12
互联网金融支持小微企业融资模式比较及启示
一、引言
在我国，小微企业占企业总数的90%以上，提供了80%的就业岗位，贡献了50%的税收，它在推动经济发展的过程中功不可没，并将发挥更为重要的作用。但是，小微企业融资难问题一直困扰着其发展。“融资难”主要因为小微企业规模小，抗风险能力差，财务信息不透明，财务数据缺乏真实性等先天劣势条件和借贷双方信息不对称，过高的资本市场门槛，多层次的担保体系等外部因素，使得小企业很难通过银行借贷、第三方机构担保和民间融资这三种渠道获得贷款。这无疑迫使小微企业寻找新的融资渠道。在这一大环境下，互联网金融应运而生，实现普惠金融的创新。跟传统金融模式相比，互联网金融除了交易媒介不同，更多的创新在于交易信息更加对称，群众参与度更高，借贷成本更低，操作流程更为便捷，交易时间更短效率更高。它凭借着普惠、信息、成本和效率等自身显著优势为小微企业带来潜在商机，为改善小微企业融资难问题开辟了一条新的渠道。