摘  要：我国中小型企业的数量近年来随着社会主义市场经济的快速发展，呈现出逐年增长的趋势，中小型企业已成为国民经济和社会发展的重要力量，虽然中小企业的成长不断加快，但融资困难的现象一直阻碍着中小企业的发展。本文通过介绍新兴的P2B网络融资模式的概念、特点以及运营流程，还有在我国中小企业融资难的现状基础上，对不同融资平台的平均利率、平台流量和满标时间进行比较分析，以此来研究P2B平台的基本情况、融资成本和融资速度，得出相关选择P2B网络融资平台的策略建议。为了更好地利用P2B网络融资的优势与机会，尽量的规避劣势与威胁，本文对P2B网络融资模式存在的网络安全风险、流动性风险以及担保风险这三方面进行分析，并针对P2B网路融资模式存在的风险提出积极有效的解决对策。90668

毕业论文关键字：中小企业，P2B网络融资，融资风险 

Abstract：In recent years, China's socialist market economy has been developing continuously。 The number of small and medium-sized enterprises has been increasing year by year。 Small and medium-sized enterprises have become an important force in national economy and social development。 Although the development of small and medium-sized enterprises has been accelerating, the financing difficulties have been hindered The development of small and medium enterprises。 Based on the concept, characteristics and operation process of P2B network financing model, this paper studies the average interest rate, platform flow and full standard time of different financing platforms on the basis of the current situation of small and medium-sized enterprises with difficulty in financing in order to study P2B The basic situation of the platform, financing costs and financing speed, the relevant P2B network financing strategy recommendations。 In order to make better use of the advantages and opportunities of P2B network financing and try to avoid disadvantages and threats as far as possible, this paper analyzes the network security risk, liquidity risk and guarantee risk of P2B network financing model, and analyzes the P2B network financing The existence of the risk of the model put forward a positive and effective solution。 

Keywords: small and medium enterprises, P2B network financing, funding risk

目 录

1  引言 4

1。1  研究背景 4

1。2  研究意义 4

1。3  文献综述 4

2  P2B网络融资模式的理论概述 5

2。1  P2B网络融资模式的概念 5

2。2  P2B网络融资模式的特点 6

2。3  P2B网络融资的模式与运营流程 6

3  P2B网络融资模式的现状源G于J优L尔V论N文M网WwW.youeRw.com 原文+QQ75201`8766 分析 7

3。1  案例数据的基本情况 7

3。2  融资成本研究 8

3。3  融资速度研究 9

4  P2B网络融资模式存在的风险 10

4。1  网络安全风险 10

4。2  流动性风险 11

4。3  担保风险 11

5  P2B网络融资模式风险防范的对策 11

5。1  防范网络安全风险的对策