基于互联网金融的小微型企业研究

论文总字数：23912字

摘 要

小微企业是我国国民经济的重要组成部分，是推动经济发展，解决国民就业问题的有力支柱。改革开放以来，我国的小微企业发展迅速，对我国经济的发展做出了重要贡献，具体表现在增加了我国的国民生产总值，帮助提高了我国的就业率，同时在扩大就业岗位和技术探索创新方面也都发挥了重要作用。但即便小微企业对我国经济做出了以上诸多贡献，它在国内的发展仍困难重重，而它面临的最大困难是财政困难和缺乏对可持续发展的政策支持。因此，如何解决小微企业的财务困难，推动小微企业的经济健康发展是亟待解决的问题。具体分析小微企业的融资困难的原因，我们会发现有很多因素导致了小微企业融资困难，它们可以分为内部和外部因素。内部因素主要是由于小企业自身的特点以及小企业的财务管理方面的不足。外部因素是由于中国自身不完善的信用体系，政府对服务于小微企业的传统金融机构的激励不够，因此很难得到金融机构的资金支持。因此，解决小微企业财务困难主要从两方面入手：一是解决借款人与贷款人之间信息不对称的问题，降低交易成本和贷款成本；二是小微企业需要加强自身的建设，完善内部的财务体系。理论上看解决小微企业融资问题具有很大的现实意义，但是从近几年的成效来看解决小微企业融资问题仍然举步维艰，从侧面也说明了小微企业融资问题的复杂性和困难性。

近年来，随着互联网信息技术飞速发展和互联网金融的普及，小微企业融资问题也有了更好的解决思路，小微信贷领域的创新实践也显示出了互联网融资的巨大的优势和良好的发展前景。本文从传统金融服务背景下的小微企业融资的现状入手，结合互联网平台和大数据的特点，探讨互联网金融下小微企业融资面临的机会和挑战。同时以蚂蚁金服为具体案例，分析了传统商业模式下小微企业融资的不足之处以及互联网融资模式的优势。最后，本文分析了互联网金融下中小企业融资的风险，并在风险监管、制度建设、金融创新和风险控制的基础上，进行风险应对，以完善互联网金融，更好地为小微企业服务。

关键词：互联网金融；小微企业；融资；蚂蚁金服

Research on financing of small and micro enterprises based on internet finance
Abstract

Small and micro enterprises are an important part of China's national economy and a powerful pillar for promoting economic development and solving the problem of national employment. Since the reform and opening up, China's small and micro enterprises have developed rapidly and made important contributions to the development of China's economy. This is reflected in the increase in China's gross national product, helping to increase the employment rate in China, while expanding employment and technology. Exploring innovation has also played an important role. However, even if small and micro enterprises have made many contributions to China's economy, its development in China is still difficult, and the biggest difficulty it faces is financial difficulties and lack of policy support for sustainable development. Therefore, how to solve the financial difficulties of small and micro enterprises and promote the healthy development of small and micro enterprises is an urgent problem to be solved. Specific analysis of the reasons for the financing difficulties of small and micro enterprises, we will find that there are many factors that cause small and micro enterprises to finance difficulties, they can be divided into internal and external factors. Internal factors are mainly due to the characteristics of small businesses and the financial management of small businesses. The external factor is due to China's own imperfect credit system. The government's incentives for traditional financial institutions serving small and micro enterprises are not enough, so it is difficult to obtain financial support from financial institutions. Therefore, solving the financial difficulties of small and micro enterprises mainly starts from two aspects: First, solving the problem of information asymmetry between borrowers and lenders, reducing transaction costs and loan costs; second, small and micro enterprises need to strengthen their own construction and improve internal Financial system. In theory, it is of great practical significance to solve the financing problem of small and micro enterprises. However, from the perspective of the effectiveness in recent years, it is still difficult to solve the financing problem of small and micro enterprises. From the side, it also illustrates the complexity and difficulty of financing problems of small and micro enterprises. .

In recent years, the rapid development of Internet information technology and the popularity of Internet finance have provided better ideas for the financing of small and micro enterprises. Its innovative practices in the field of small and micro credit have shown great advantages and future development prospects. This paper starts with the current situation of small and micro enterprise financing in the context of traditional financial services, and combines the characteristics of the Internet platform with big data for economic analysis. Then, taking Ali microfinance as an example, this paper analyzes the financing status of small and micro enterprises under Internet finance, and analyzes its economies of scale and transaction costs. Finally, this paper analyzes the risks of SME financing under Internet finance, and conducts risk response on the basis of risk supervision, system construction, financial innovation and risk control to improve Internet finance and better serve small and micro enterprises

Keywords: internet finance; small and micro enterprises; financing

目 录

摘 要 I

Abstract……………………………………………………………………………………………………………………………………………………….1

第一章 绪 论 1

1.1 研究背景 1

1.2 研究的意义 1

1.3 研究思路及内容 1

1.4 论文框架 1

第二章 相关文献综述（或者相关理论） 2

第三章小微企业融资现状以及融资困难的原因 3

3.1小微企业现状31 3

3.2小微企业融资困难的原因32 3

第四章 互联网金融下的小微企业融资面临的机会和挑战 4

4.1互联网金融下小微企业融资的机会分析 51 4

4.2互联网金融下小微企业的融资模式分析 52 4

4.3互联网金融下小微企业融资存在的弊端以及解决办法53 4

第五章 典型案例分析—蚂蚁金融................................................................................................................5

5.1 互联网金融下小微企业融资存在的弊端…………………………………………………………………………………..….5

5.2联网金融下小微企业融资的方法……………………………………………………………………………………………….5

第六章 互联网金融下小微企业融资的案例分析 6

6.1 蚂蚁金服的发展状况...........................................................................................................................6

6.1.1蚂蚁金服的概述…………………………………………………………………………………………………………………………6

6.1.2 蚂蚁金服的发展……………………………………………………………………………………………………………………….6

6.2 蚂蚁金服的产品服务……………………………………………………………………………………………………………………...6

6.3 蚂蚁金服与商业银行小微企业融资模式的比较分析…………………………………………………………………….6

6.4 对蚂蚁金服的评价………………………………………………………………………………………………………………………....6

6.4.1 蚂蚁金服的优势……………………………………………………………………………………………………………………………6

6.4.2 蚂蚁金服存在的问题…………………………………………………………………………………………………………………...6

第七章 结论与后续研究方向……………………………………………………………………………………………………………………..7

致 谢 .8

参考文献（References） 9

第一章 绪 论

研究背景

小微企业与大中型企业共同决定了一个国家的经济发展，而小微企业的发展具有更为重大的社会意义。世界各国都在积极鼓励和支持小微企业的发展，特别是在北欧，美国等经济发达地区。中国同样是小微企业的忠实拥护者。截至2015年底，我国小微企业总数达到7000万户，占国内生产总值近60%，占国家税收总额近50%，同时近几年中国金融机构小微企业贷款余额占机构企业贷款余额的比例也逐年上升(如图)。

下图表示2018年中国小微企业对经济的贡献情况

剩余内容已隐藏，请支付后下载全文，论文总字数：23912字