本文選題：網絡融資 + 中小企業(yè)��； 參考：《北京交通大學》2014年碩士論文

【摘要】：網絡融資模式是互聯(lián)網技術、電子商務與銀行業(yè)務管理系統(tǒng)結合的產物,但是由于其產生時間較短,仍然具有一定的局限性。本文從網絡融資模式的局限性出發(fā),通過借鑒國內外融資模式,有針對性的對網絡融資模式進行優(yōu)化,以達到提高中小企業(yè)網絡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)有網絡融資服務的運行模式進行了分類分析。并對網絡融資產生的原因進行了分析,進而從貸款成功率、貸款時效、貸款利率費用、便利性、目標客戶特征、交易成本以及風險控制幾個方面分析了網絡融資與線下融資的異同。從平臺與企業(yè)黏合度、信用風險以及平臺工作效率、平臺信用體系建設、網絡融資行業(yè)相關政策幾方面深入分析了現(xiàn)有網絡融資模式的局限性。 在分析了國內外網絡借貸模式、供應鏈融資模式以及中小企業(yè)互助擔保模式后,以網絡融資平臺與金融機構競爭合作關系、網絡融資平臺民間資本運用為研究創(chuàng)新點,對網絡融資模式進行了優(yōu)化。優(yōu)化后網絡融資平臺與金融機構的競爭關系變?yōu)楹献麝P系；增加了民間資本對中小企業(yè)的授信模式；運用網絡供應鏈集中授信及中小企業(yè)網絡互助擔保模式穩(wěn)定網絡融資體系。最終本文根據(jù)現(xiàn)有網絡融資模式及優(yōu)化方案設計了優(yōu)化后的網絡融資模式流程,分析了優(yōu)化后網絡融資模式各主體職能,并針對行業(yè)現(xiàn)狀進行了案例分析。
[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.
【學位授予單位】：北京交通大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F276.3;F724.6;F832.4

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