论文总字数：23866字

摘 要

在互联网和信息技术革命推动下，新金融代表着金融创新发展的新趋势，而且起到了更好地服务实体经济的作用。我国中小企业长久以来一直存在着融资难、融资贵的问题，而新金融通过移动化、大数据、云计算技术，改进了信息不对称性，完善了风险识别能力，提高了借贷交易风险的可控性，为中小企业提供了新的融资模式。

导致中小企业融资难的原因有自身特征和外在环境的因素，由于中小企业自身实力的不足、征信系统不完善和没有服务中小企业的完善金融体系，中小企业作为借款方与贷款方存在信息不对称的问题，信息不对称增加了中小企业的贷款成本，而且贷款方会认为中小企业的信用风险相对较大，所以解决中小企业融资困境的主要思路就是解决信息不对称问题和降低信贷成本，新金融的出现使上述问题更加容易解决，其在对中小企业融资的创新实践过程中表现出了重要的支持作用。

本文先对新金融支持中小企业融资进行理论分析，在此基础上对新金融对我国中小企业融资的支持作用进行了现状考察，以基于互联网的我国典型新金融服务平台为例，通过分析其本质特点、运行模式等，探讨了新金融对中小企业融资支持的作用机制和作用成效，并基于研究结果在完善信用评级和合理监管等方面提出了相关对策建议，最后对本文的研究做出展望。

关键词：新金融；中小企业；融资约束；网络借贷

Abstract

Driven by the Internet and information technology revolution, new finance represents a new trend of financial innovation and development, and it can serve the real economy better. The problems of financing difficulties and high financing cost are common in small and medium-sized enterprises in China. And the new financial can improve the information asymmetry, improve the ability of risk identification, risk controllability in lending transactions ang provide a new financing model to small and medium-sized enterprises through mobile, big data and cloud computing technology.

The reasons for the financing difficulties of smes are both internal and external. As borrowers, there is information asymmetry between the lender and small and medium-sized enterprises due to the shortcomings of smes' own strength, the imperfect credit system and the imperfect of the financial system serving small and medium-sized enterprises. Information asymmetry increases the loan cost of small and medium-sized enterprises. And the lender will think that the credit risk of smes is relatively large. Therefore, the main idea to solve the financing dilemma of smes is to solve the information asymmetry and reduce the cost of credit. The emergence of new finance makes the above problems easier to solve, and it plays an important supporting role in the innovation practice of financing for small and medium-sized enterprises.

On the basis of the theoretical analysis of financing of small and medium-sized enterprises in new finance, we make an investigation on the supporting role of new finance on financing of small and medium-sized enterprises in China. We take the typical new financial service platform based on the Internet as an example. By analyzing its essential characteristics and operating mode, we discusses the mechanism and effect of new finance on financing support for smes. Based on the research results, we puts forward some suggestions on improving credit rating and reasonable supervision, and finally we makes a forecast of the research in this paper.

KEY WORDS: new finance, small and medium-sized enterprises, financing restriction, peer to peer lending

目录

摘要 I

Abstract II

第一章 导论 1

1.1 问题的提出 1

1.1.1 研究背景 1

1.1.2 研究目标及意义 2

1.2 文献综述 2

1.2.1 对中小企业融资研究综述 2

1.2.2 对新金融支持中小企业融资研究综述 3

1.2.3 综述总评 4

1.3 研究思路、内容及方法 4

1.3.1 研究思路及内容 4

1.3.2 研究方法 5

第二章 新金融与中小企业融资的理论基础 6

2.1 中小企业融资理论 6

2.1.1 中小企业融资需求理论 6

2.1.2 中小企业融资约束理论 6

2.2 新金融的技术经济特征分析 7

第三章 新金融对我国中小企业融资支持作用的现状考察 10

3.1 新金融在我国的发展态势 10

3.2 新金融与中小企业的融资实现 11

3.3 我国新金融发展对中小企业融资支持作用的总体分析 12

3.3.1 网络借贷对中小企业融资的支持作用 12

3.3.2 众筹对中小企业融资的支持作用 14

第四章 新金融对我国中小企业融资支持作用的实证分析 16

4.1 我国新金融服务中小企业的典型案例分析——以“拍拍贷”为例 16

4.1.1 样本数据与变量选取 16

4.1.2 回归模型的构建 17

4.1.3 回归与结果分析 17

4.1.4 实证结果小结 18

第五章 研究总结与相关对策建议 19

致谢 20

参考文献 21

附录 22

导论

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