本文選題：網(wǎng)絡(luò)融資 + 中小企業(yè)　； 參考：《北京交通大學(xué)》2014年碩士論文

【摘要】：網(wǎng)絡(luò)融資模式是互聯(lián)網(wǎng)技術(shù)、電子商務(wù)與銀行業(yè)務(wù)管理系統(tǒng)結(jié)合的產(chǎn)物,但是由于其產(chǎn)生時間較短,仍然具有一定的局限性。本文從網(wǎng)絡(luò)融資模式的局限性出發(fā),通過借鑒國內(nèi)外融資模式,有針對性的對網(wǎng)絡(luò)融資模式進(jìn)行優(yōu)化,以達(dá)到提高中小企業(yè)網(wǎng)絡(luò)融資模式效率的目的。 中小企業(yè)融資問題是本文的研究對象,因此本文先對現(xiàn)有網(wǎng)絡(luò)融資服務(wù)的運行模式進(jìn)行了分類分析。并對網(wǎng)絡(luò)融資產(chǎn)生的原因進(jìn)行了分析,進(jìn)而從貸款成功率、貸款時效、貸款利率費用、便利性、目標(biāo)客戶特征、交易成本以及風(fēng)險控制幾個方面分析了網(wǎng)絡(luò)融資與線下融資的異同。從平臺與企業(yè)黏合度、信用風(fēng)險以及平臺工作效率、平臺信用體系建設(shè)、網(wǎng)絡(luò)融資行業(yè)相關(guān)政策幾方面深入分析了現(xiàn)有網(wǎng)絡(luò)融資模式的局限性。 在分析了國內(nèi)外網(wǎng)絡(luò)借貸模式、供應(yīng)鏈融資模式以及中小企業(yè)互助擔(dān)保模式后,以網(wǎng)絡(luò)融資平臺與金融機構(gòu)競爭合作關(guān)系、網(wǎng)絡(luò)融資平臺民間資本運用為研究創(chuàng)新點,對網(wǎng)絡(luò)融資模式進(jìn)行了優(yōu)化。優(yōu)化后網(wǎng)絡(luò)融資平臺與金融機構(gòu)的競爭關(guān)系變?yōu)楹献麝P(guān)系；增加了民間資本對中小企業(yè)的授信模式；運用網(wǎng)絡(luò)供應(yīng)鏈集中授信及中小企業(yè)網(wǎng)絡(luò)互助擔(dān)保模式穩(wěn)定網(wǎng)絡(luò)融資體系。最終本文根據(jù)現(xiàn)有網(wǎng)絡(luò)融資模式及優(yōu)化方案設(shè)計了優(yōu)化后的網(wǎng)絡(luò)融資模式流程,分析了優(yōu)化后網(wǎng)絡(luò)融資模式各主體職能,并針對行業(yè)現(xiàn)狀進(jìn)行了案例分析。
[Abstract]:The network financing model is the product of the combination of Internet technology, electronic commerce and banking business management system, but because of its short time, it still has some limitations. Based on the limitation of the network financing mode, this paper aims at improving the efficiency of the network financing mode of small and medium-sized enterprises by using the domestic and foreign financing mode for reference and optimizing the network financing mode. The financing problem of small and medium-sized enterprises is the object of this paper. The paper also analyzes the causes of network financing, and then from the loan success rate, loan limitation, loan interest rate charges, convenience, target customer characteristics, This paper analyzes the similarities and differences between online financing and offline financing in the aspects of transaction cost and risk control. This paper analyzes the limitations of the existing network financing mode from the following aspects: the degree of adhesion between the platform and the enterprise, the credit risk, the efficiency of the platform, the construction of the platform credit system, and the related policies of the network financing industry. After analyzing the domestic and foreign network lending mode, supply chain financing model and mutual guarantee mode of small and medium-sized enterprises, this paper takes the competitive cooperative relationship between network financing platform and financial institutions, and the application of private capital of network financing platform as the research innovation point. The network financing mode is optimized. After optimization, the competitive relationship between the network financing platform and financial institutions is transformed into cooperative relationship; the credit mode of private capital to small and medium-sized enterprises is added; and the network financing system is stabilized by the mode of centralized credit in network supply chain and mutual guarantee mode in network for small and medium-sized enterprises. Finally, according to the existing network financing model and optimization scheme, this paper designs the optimized network financing mode flow, analyzes the main functions of the optimized network financing mode, and carries on the case analysis according to the industry present situation.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F724.6;F832.4

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