论文总字数：33395字

摘 要

随着我国市场经济的稳健发展，大量小微企业兴起并发展，至2018年我国小微企业已超过7000万户，并贡献了全国约60%的GDP，且是经济发展中最具创新活力的企业，在中国经济发展中起着重要作用。但由于传统金融机构的局限性，小微企业的融资需求很难得到满足，综合成本也较高，融资困难是小微企业在发展中面临的重要问题之一。近年来快速发展的互联网金融融资模式为小微企业提供了机会，本文主要研究了小微企业的融资现状，存在的问题并提出相应对策。

首先，论文在阐述小微企业的内涵的基础上，介绍了小微企业的传统融资模式，分析了小微企业的融资现状。其次，论文分析了互联网金融的内涵和特点，讨论了电商小额信贷、P2P网贷、金融机构 互联网门户融资、众筹融资等小微企业互联网融资的方式。然后，论文分析了互联网金融给小微企业带来的机遇和挑战，讨论了小微企业利用互联网金融相关融资方式所具有的优势和劣势，并在此基础上，从操作流程、支付方式、征信体制等多个方面对小微企业传统融资模式和互联网融资模式进行了比较。最后，从政府、互联网金融企业和小微企业自身分别提出了促进小微企业更好利用互联网融资的对策和建议。

关键词：小微企业；融资问题；互联网金融；对策建议

Abstract

With the steady development of China's market economy, a large number of small and micro enterprises have risen and developed. By 2018, China's small and micro enterprises have exceeded 70 million households and contributed about 60% of the country's GDP. They are the most innovative enterprises in economic development and play an important role in China's economic development. However, due to the limitations of traditional financial institutions, the financing needs of small and micro enterprises are difficult to meet, and the overall cost is also high. Financing difficulties are one of the important problems faced by small and micro enterprises in their development. In recent years, the rapid development of Internet financial financing mode provides opportunities for small and micro enterprises. This paper mainly studies the financing status of small and micro enterprises, existing problems and puts forward corresponding countermeasures.

Firstly, on the basis of explaining the connotation of small and micro enterprises, this paper introduces the traditional financing mode of small and micro enterprises, and analyses the financing status of small and micro enterprises. Secondly, the paper analyses the connotation and characteristics of Internet finance, and discusses the ways of Internet financing for small and micro enterprises, such as e-commerce micro-credit, P2P online credit, financial institutions Internet portal financing, crowdsourcing and so on. Then, the paper analyses the opportunities and challenges brought by Internet finance to small and micro enterprises, discusses the advantages and disadvantages of small and micro enterprises using Internet finance-related financing methods, and on this basis, compares the traditional financing and Internet financing of small and micro enterprises from the aspects of operation process, payment method, credit information system and so on. Finally, from the government, Internet financial enterprises and small and micro enterprises themselves, the paper puts forward the countermeasures and suggestions to promote small and micro enterprises to make better use of Internet financing.

Keywords: Small and Micro enterprises; Financing issues; Internet finance; Countermeasures and suggestions

目 录

摘 要 I

Abstract II

第一章 绪论 1

1.1 研究背景及意义 1

1.2 国内外相关问题研究综述 2

1.3 研究内容及方法 5

第二章 小微企业及其融资现状 7

2.1小微企业及其发展特点 7

2.2 小微企业传统融资模式 8

2.3 小微企业融资现状与原因分析 11

第三章 互联网金融及其在小微企业中的应用方式 18

3.1 互联网金融概述 18

3.2互联网金融的特点 18

3.3 小微企业互联网融资的方式 20

第四章 小微企业互联网融资方式应用分析 23

4.1互联网金融给小微企业带来的机遇和挑战 23

4.2小微企业利用互联网融资的优势和劣势 24

4.3 互联网金融模式与传统融资模式的比较 26

第五章 小微企业融资案例分析 30

5.1 鑫满建材基本概况 30

5.2 鑫满建材使用互联网融资缓解融资状况 32

第六章 小微企业运用互联网金融融资的策略与建议 35

6.1政府应不断完善小微企业融资环境建设 35

6.2进一步推进互联网金融行业自身的发展 38

6.3小微企业主动谋求缓解融资困境的方法 39

第七章 结束语 40

参考文献 42

致 谢 44

第一章 绪论

1.1 研究背景及意义

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