本文選題：輕資產(chǎn)企業(yè) + 互聯(lián)網(wǎng)金融　； 參考：《云南財經(jīng)大學(xué)》2015年碩士論文

【摘要】：近年來輕資產(chǎn)企業(yè)特別是以互聯(lián)網(wǎng)為承載和依托的信息技術(shù),而缺乏各種“有鋼筋水泥”作為抵押物的新型中小型企業(yè)。這類中小企業(yè)逐漸成為我國經(jīng)濟(jì)重要的組成部分,這類企業(yè)由于其自身的特殊性,融資始終是其企業(yè)發(fā)展的瓶頸,所以中小企業(yè)特別是在依托網(wǎng)絡(luò)生存和發(fā)展的輕資產(chǎn)類中小企業(yè)融資難的成因及相應(yīng)的解決辦法一直是大家所關(guān)注和探討話題。與此同時移動互聯(lián)網(wǎng)時代帶來的大數(shù)據(jù)、云計算等新技術(shù),同樣為銀行業(yè)創(chuàng)新業(yè)務(wù)模式,借助資本市場的創(chuàng)新發(fā)展以及新型的融資業(yè)務(wù)奠定了基礎(chǔ)。目前,借助國內(nèi)資本市場,以及大數(shù)據(jù)的應(yīng)用快速發(fā)展的契機(jī),國內(nèi)多家商業(yè)銀行利用自身電子商務(wù)平臺和相關(guān)資本市場,通過傳統(tǒng)金融業(yè)務(wù)和互聯(lián)網(wǎng)技術(shù)的雙重優(yōu)勢,通過相關(guān)創(chuàng)新性融資打造消費(fèi)和融資平臺。消費(fèi),支付,融資一體化的“三位一體”新的綜合金融服務(wù)平臺。本論文以YD企業(yè)通過資本市場,券商,商業(yè)銀行的創(chuàng)新性融資為例,運(yùn)用SWOT分析等管理工具,對輕資產(chǎn)企業(yè)的創(chuàng)新性融資進(jìn)行分析研究,拋磚引玉,探尋其改善和優(yōu)化的發(fā)展戰(zhàn)略。本論文首先提出了研究的背景和意義,對輕資產(chǎn)企業(yè)的通過新型的融資方式的充分性,必要性進(jìn)行了分析。對新型融資在國內(nèi)外的應(yīng)用問題小結(jié);根據(jù)YD企業(yè)應(yīng)用方法,剖析了YD企業(yè)解決方案和建議。其次,本文通過利用戰(zhàn)略管理工具,分析YD企業(yè)的內(nèi)外部環(huán)境,論證融資成本等方面的可行性分析。力求客觀的反映出YD公司通過新型融資重要性和必要性。再次,對傳統(tǒng)商業(yè)銀行對輕資產(chǎn)YD企業(yè)創(chuàng)新性融資模式進(jìn)行研究分析,從其運(yùn)營定位、資源利用、金融配套服務(wù)、推廣策略、融資風(fēng)險管理等進(jìn)行全面分析,并在此基礎(chǔ)上提出“輕資產(chǎn)企業(yè)”融資亟待解決的問題。最后,對依據(jù)YD企業(yè)在創(chuàng)新性融資中實際應(yīng)用與效果歸納,分析,證實推行創(chuàng)新性融資與傳統(tǒng)融資方式比較中,確實能夠降低企業(yè)融資成本,從而提升企業(yè)競爭能力。并對不足之處進(jìn)行歸納分析,為輕資產(chǎn)的企業(yè)在未來進(jìn)一步推行融資作為參考依據(jù)策略提出優(yōu)化和改善的建議。
[Abstract]:In recent years, light assets enterprises, especially the information technology supported by the Internet, lack of all kinds of "reinforced concrete" as collateral for the new type of small and medium-sized enterprises. These small and medium-sized enterprises have gradually become an important part of our economy. Because of their own particularity, financing has always been the bottleneck of their enterprise development. Therefore, the causes and corresponding solutions of the financing difficulties of small and medium-sized enterprises with light assets, which depend on the network survival and development, have always been a topic of concern and discussion. At the same time the new technologies such as big data cloud computing and so on brought by the era of mobile Internet have also laid the foundation for the banking industry to innovate its business model with the help of the innovative development of the capital market and the new financing business. At present, with the help of the domestic capital market and the opportunity of rapid development of the application of big data, many domestic commercial banks take advantage of their own e-commerce platforms and related capital markets, through the dual advantages of traditional financial business and Internet technology. Through the relevant innovative financing to build consumption and financing platform. Consumption, payment, financing integration of the "Trinity" of the new comprehensive financial services platform. This paper takes the innovative financing of YD enterprises through the capital market, securities dealers, commercial banks as an example, using SWOT analysis and other management tools to analyze and study the innovative financing of light assets enterprises. Explore its improvement and optimization of the development strategy. In this paper, the background and significance of the research are put forward, and the adequacy and necessity of the light asset enterprises through new financing methods are analyzed. This paper summarizes the application of new financing at home and abroad, and analyzes the solutions and suggestions of YD enterprises according to the application methods of YD enterprises. Secondly, through the use of strategic management tools, this paper analyzes the internal and external environment of YD enterprises, demonstrates the feasibility of financing costs. Strive to objectively reflect the importance and necessity of YD Company through new financing. Third, the traditional commercial banks to light assets YD enterprise innovative financing model research and analysis, from its operational positioning, resource utilization, financial support services, promotion strategies, financing risk management and other comprehensive analysis, On the basis of this, the paper puts forward the problems to be solved urgently in the financing of light assets enterprises. Finally, according to the actual application and effect of YD enterprise in innovative financing, it is proved that in the comparison of innovative financing and traditional financing, the cost of enterprise financing can be reduced and the competitiveness of enterprise can be enhanced. And the deficiency is summarized and analyzed, and the suggestions of optimization and improvement are put forward for the enterprises with light assets to carry out further financing as the reference strategy in the future.
【學(xué)位授予單位】：云南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F275;F832.2

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