摘要: 在我国市场经济发展过程中小微企业借助良好市场环境快速发展。不仅拉动国民经济的增长,而且也吸收了大量劳动人员,缓解了就业压力。但是由于外部环境的制约,和小微企业本身信用水平低等原因。小微企业遇到了融资困难一直无法找到良好的解决途径。近年来,互联网金融的出现弥补了传统融资方式中小微企融资难的问题,为小微企业持续经营注入源源不断的动力。互联网金融作为金融行业的创新领域将传统金融行业优势与网络优势进行有机的结合,使得金融模式更加多样化。依据普惠金融的理念,P2P网贷平台提供了多种多样的融资模式让小微企业自主选择适合自己的融资方式,为其融资困难情况的解决找到了出路。由于P2P网贷平台所有的交易过程都在线上完成,其融资风险也要密切关注。本文通过研究在P2P网贷平台上小微企业的融资运营模式和融资特点,以及小微企业在平台上融资风险的实际表现形式来找出科学有效的方式来帮助小微企业降低线上融资风险,保障企业经营活动顺利进行。95047

毕业论文关键词：P2P网贷平台，小微企业，融资风险

Abstract: In the process of Chinese economic development , small and micro enterprises are developing rapidly with a good market environment, Not only the development of small and micro enterprises stimulate the growth of the national economy, but also absorb a large number of workers to ease the employment pressure。 However, due to the constraints of the external environment and the low credit level of small and micro enterprises, they have trouble in financing。 Recently, The emergence of Internet financial make up for small and micro enterprises financing difficulties from traditional financing, as well as provide sustainable motive for small and micro enterprises' development。 The Internet finance which combine the advantages of the traditional financial industry and the Internet make financial models more perse。  P2P lending platforms which base on the concept of Inclusive Finance provide small and micro enterprises financing persified financing models which satisfied their needs。  P2P lending platforms help small and micro enterprises to find effective solution to solve financing difficulties。 Due to all the transaction process in the P2P lending platforms are completed on the line, meanwhile we should pay close attention to financing risk of small and micro enterprises。 Through research the financing operation mode and financing characteristics in P2P lending platforms, as well as the actual form of risk financing platform in Small and micro businesses, we can find out the scientific and effective way to help reduce the risk of Small and micro enterprises' online financing, guarantee business activities。

Keywords: P2P lending platforms, small and micro enterprises, financing risk

目 录

1  引言 5

2  P2P网贷平台运价模式 5

2。1  P2P网贷平台发展历程 5

2。2  基于P2P网贷平台的小微企业融资特点 6

3  小微企业融资风险的具体表现 7

3。1融资成本较高 8

3。2  平台坏账率偏高 9

3。3  资金期限错配 10

4  P2P网贷平台下小微企业融资风险的形成原因 10

4。1线下审核模式繁琐 10

4。2融资门槛过低 11

4。3监督体制不完善