本文選題：中小企業(yè) + 網(wǎng)絡(luò)融資��； 參考：《中南大學(xué)》2012年碩士論文

【摘要】：在中國經(jīng)濟的發(fā)展方式結(jié)構(gòu)轉(zhuǎn)型過程中,中小企業(yè)發(fā)揮了重要作用。但一直困擾著中小企業(yè)的融資難問題,嚴(yán)重影響了中小企業(yè)的發(fā)展進程。面對著商業(yè)銀行不愿意對中小企業(yè)特別是小微企業(yè)貸款的現(xiàn)實、商業(yè)銀行以及其他金融機構(gòu)對中小企業(yè)特別是小微企業(yè)的不了解以及我國中小企業(yè)特別是小微企業(yè)本身發(fā)展的不規(guī)范等現(xiàn)實問題,中小企業(yè)特別是小微企業(yè)的融資仍然舉步維艱。針對中小企業(yè)融資“短、急、頻、快”的特點,網(wǎng)絡(luò)融資服務(wù)的誕生憑借著自身所具備的先天優(yōu)勢成為中小企業(yè)特別是小微企業(yè)獲得資金支持的新方式、新渠道。 雖然已經(jīng)有一部分學(xué)者對網(wǎng)絡(luò)融資進行了研究,但主要仍集中在理論層面,并將目光集中在如何發(fā)展網(wǎng)絡(luò)融資這項業(yè)務(wù)上,但對網(wǎng)絡(luò)融資本身所有的風(fēng)險研究相對較少,對于網(wǎng)絡(luò)融資中客戶違約欠款的相關(guān)實證分析更是沒有。本文基于網(wǎng)絡(luò)融資以及風(fēng)險管理等理論,將理論與中小企業(yè)特別是小微企業(yè)網(wǎng)絡(luò)融資案例、網(wǎng)絡(luò)融資內(nèi)部信用風(fēng)險的三方博弈以及網(wǎng)絡(luò)融資客戶違約欠款風(fēng)險管理實證分析有機結(jié)合起來,對中小企業(yè)特別是小微企業(yè)網(wǎng)絡(luò)融資風(fēng)險管理進行研究,發(fā)現(xiàn)中小企業(yè)特別是小微企業(yè)網(wǎng)絡(luò)融資具有成本低、零擔(dān)保、利息計算方式靈活、貸款辦理時間短等效率優(yōu)勢,適合在電子商務(wù)類企業(yè)以及貿(mào)易類中小企業(yè)特別是小微企業(yè)中大力推廣,是有效解決中小企業(yè)特別是小微企業(yè)融資難問題的有效途徑。另外,本文采用基于決策樹以及傳統(tǒng)二元Logistic回歸模型的兩階段Logistic回歸模型對中小企業(yè)特別是小微企業(yè)網(wǎng)絡(luò)融資的外部違約欠款風(fēng)險管理進行更加準(zhǔn)確地評價分析,建立出了基本的風(fēng)險識別體系。最后,本文根據(jù)研究所得結(jié)論,提出了針對于中小企業(yè)特別是小微企業(yè)網(wǎng)絡(luò)融資未來發(fā)展對策和建議并根據(jù)網(wǎng)絡(luò)融資模式提出了解決民間借貸規(guī)范化問題的解決辦法。
[Abstract]:In China's economic development mode of structural transformation process, small and medium-sized enterprises have played an important role. However, it has been puzzling the financing problem of SMEs, which has seriously affected the development process of SMEs. Faced with the fact that commercial banks are unwilling to lend to small and medium-sized enterprises, especially small and micro enterprises, Commercial banks and other financial institutions do not understand small and medium-sized enterprises, especially small and micro enterprises, and the non-standard development of small and medium-sized enterprises, especially small and micro enterprises, in our country. The financing of small and medium-sized enterprises, especially small and micro enterprises, is still difficult. In view of the characteristics of "short, urgent, frequent and fast" financing for small and medium-sized enterprises, the birth of network financing service has become a new way and a new channel for small and medium-sized enterprises, especially small and micro enterprises, to obtain financial support by virtue of their innate advantages. Although some scholars have carried on the research on the network financing, but still focus on the theory level, and focus on how to develop the network financing business, but the research on the risk of the network financing itself is relatively few. There is no empirical analysis of customer default arrears in network financing. Based on the theory of network financing and risk management, this paper combines the theory with the network financing cases of small and medium-sized enterprises, especially small and micro enterprises. Combining the tripartite game of internal credit risk of network financing with the empirical analysis of risk management of default arrears of network financing customers, this paper studies the risk management of network financing for small and medium-sized enterprises, especially small and micro enterprises. It is found that the network financing of small and medium-sized enterprises, especially small and micro enterprises, has the advantages of low cost, zero guarantee, flexible way of calculating interest, short processing time and so on. It is suitable for e-commerce enterprises and small and medium-sized trade enterprises, especially small and micro enterprises. It is an effective way to solve the financing difficulties of small and medium-sized enterprises, especially small and micro enterprises. In addition, this paper uses the two-stage logistic regression model based on decision tree and traditional binary logistic regression model to evaluate and analyze the risk of external default arrears of small and medium-sized enterprises, especially small and micro enterprises, more accurately. The basic risk identification system is established. Finally, according to the conclusions of the study, this paper puts forward the countermeasures and suggestions for the future development of network financing for small and medium-sized enterprises, especially small and micro enterprises, and puts forward solutions to solve the problem of the standardization of private lending according to the mode of network financing.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4;F276.3

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