發(fā)布時(shí)間：2018-05-02 18:36

  本文選題：中小企業(yè) + P2B��； 參考：《上海交通大學(xué)》2014年碩士論文

【摘要】：目前,我國中小企業(yè)的數(shù)量已經(jīng)達(dá)到4700余萬家,在中國企業(yè)比重中占到了97%以上[1],在增加就業(yè)、促進(jìn)經(jīng)濟(jì)發(fā)展以及改善經(jīng)濟(jì)結(jié)構(gòu)等方面都起到了非常重要的作用,可以說,沒有量大面廣的中小企業(yè)的良性快速發(fā)展,就沒有整個(gè)國民經(jīng)濟(jì)的快速發(fā)展。但中小企業(yè)發(fā)展的道路并不是特別順利,制約其發(fā)展的一個(gè)重要因素是資金,所以,如何解決融資難問題將直接關(guān)系到中小企業(yè)能否更好更快的發(fā)展。中小企業(yè)融資難的主要原因既有來自外部融資要求高,融資渠道少等原因,也有來自于中小企業(yè)自身的原因。一方面,中小企業(yè)因其規(guī)模小、發(fā)展時(shí)間短、缺乏有效抵押物、信用度低等原因?qū)е缕渫ㄟ^銀行等外部渠道融資困難,嚴(yán)重制約其持續(xù)、健康發(fā)展;另一方面,隨著現(xiàn)代票據(jù)支付業(yè)務(wù)的快速發(fā)展,絕大多數(shù)中小企業(yè)都持有大量未到期、無法變現(xiàn)的銀行承兌匯票,勢必會造成現(xiàn)金短缺,更加重了中小企業(yè)的資金困難,因過量收取銀行承兌匯票而造成現(xiàn)金缺乏也已經(jīng)成為很多中小企業(yè)比較棘手的問題。當(dāng)然,中小企業(yè)也因?yàn)榫邆湫�、快、靈的優(yōu)點(diǎn),非常容易借助新的技術(shù)解決融資難題,得到快速發(fā)展。隨著互聯(lián)網(wǎng)技術(shù)的發(fā)展,互聯(lián)網(wǎng)也給中小企業(yè)的發(fā)展提供了新的增長點(diǎn),中小企業(yè)利用互聯(lián)網(wǎng)提供的信息流等等取得了令人矚目的成果,同時(shí)這一新的方式也為快速融資提供了可能。P2B網(wǎng)絡(luò)融資正是中小企業(yè)與互聯(lián)網(wǎng)、銀行等幾方面共同努力促成的新的融資方式。在互聯(lián)網(wǎng)技術(shù)不斷進(jìn)步的推動下,P2B金融模式作為一種新興的網(wǎng)絡(luò)借貸模式,近年來在國內(nèi)外迅速發(fā)展。P2B網(wǎng)絡(luò)借貸模式是指建立在互聯(lián)網(wǎng)平臺上,提供企業(yè)與富裕資金的投資人之間相互撮合的一種借貸形式,相對于傳統(tǒng)融資方式來說,具有借貸方式方便快捷、成本較低且覆蓋面廣,為中小企業(yè)提供了新的融資視角和渠道,并有望破解傳統(tǒng)商業(yè)銀行信貸模式久未攻克的中小企業(yè)融資難題。然而,這一創(chuàng)新模式在中小企業(yè)融資的實(shí)際運(yùn)用中仍存在交易費(fèi)用過高、征信體系不健全以及缺乏法律監(jiān)管等諸多問題。為解決這些問題,促進(jìn)我國中小企業(yè)P2B融資模式的健康發(fā)展,本文對目前市場上以銀行承兌匯票收益權(quán)質(zhì)押的P2B網(wǎng)絡(luò)借貸模式進(jìn)行了描述,并以國內(nèi)發(fā)展最早的銀行承兌匯票收益權(quán)質(zhì)押的P2B網(wǎng)絡(luò)借貸平臺金銀貓為案例進(jìn)行了分析,指出了此類平臺出現(xiàn)的一些問題以及解決問題的方法。以銀行承兌匯票收益權(quán)質(zhì)押的P2B網(wǎng)絡(luò)融資做為中小企業(yè)新興的融資方式,目前在發(fā)展中也遇到一些問題與瓶頸,本文文中從票據(jù)風(fēng)險(xiǎn)、法律的空白、監(jiān)管的缺失以及技術(shù)等其它風(fēng)險(xiǎn)四個(gè)方面詳細(xì)進(jìn)行了分析�；谏鲜鰡栴}的存在,通過分析現(xiàn)階段P2B網(wǎng)絡(luò)融資的市場條件、法律環(huán)境,為促進(jìn)銀行承兌匯票收益權(quán)質(zhì)押的P2B平臺的規(guī)范發(fā)展,避免不必要的風(fēng)險(xiǎn),本文提出了相應(yīng)的解決方法。最后,本文對以銀行承兌匯票收益權(quán)質(zhì)押的P2B網(wǎng)絡(luò)借貸平臺的發(fā)展進(jìn)行了歸納總結(jié),并展望了此類模式的發(fā)展方向。以銀行承兌匯票收益權(quán)質(zhì)押的P2B網(wǎng)絡(luò)借貸模式作為新生事物,其發(fā)展愈來愈受到銀行、政府相關(guān)部門的重視,中小企業(yè)也逐漸了解并嘗試通過其來解決資金問題,隨著互聯(lián)網(wǎng)的進(jìn)一步發(fā)展,有理由相信此類網(wǎng)絡(luò)借貸平臺會成為中小企業(yè)融資的一條重要途徑。
[Abstract]:At present, the number of small and medium-sized enterprises in China has reached more than 4700 million, accounting for more than 97% [1] in the proportion of Chinese enterprises. It has played a very important role in increasing employment, promoting economic development and improving the economic structure. It can be said that there is no whole national economy without a large scale and a large and broad medium and small enterprises. But the road of small and medium-sized enterprise development is not very smooth. One important factor that restricts its development is capital. Therefore, how to solve the problem of financing is directly related to the better and faster development of small and medium-sized enterprises. The main reasons for the difficult financing of small and medium-sized enterprises are from the high demand of external financing and the lack of financing channels. On the one hand, small and medium-sized enterprises, because of their small scale, short development time, lack of effective mortgages and low credit reasons, cause their financing difficulties through banks and other external channels, which seriously restrict their continuous and healthy development; on the other hand, with the rapid development of modern bill payment business, the vast majority of them have developed rapidly. Small and medium-sized enterprises hold a large number of undue and unconverted bank acceptance bills, which will cause a shortage of cash, which makes it more difficult for small and medium-sized enterprises to pay more money. Due to the excessive collection of bank acceptance bills, the lack of cash has become a difficult problem for many small and medium-sized enterprises. With the development of the Internet technology, the Internet has also provided a new growth point for the development of small and medium-sized enterprises. Small and medium enterprises have made remarkable achievements in the use of the information flow provided by the Internet, and this new way is also provided for rapid financing. It is possible that the.P2B network financing is the new financing way that the small and medium enterprises and the Internet and the bank have worked together. With the continuous progress of the Internet technology, the P2B financial model is a new type of network lending mode. In recent years, the rapid development of.P2B network lending mode at home and abroad is based on the Internet platform, A loan form which provides mutual matching between the investors and the rich capital investors is convenient, fast, low cost and wide coverage compared to the traditional financing methods. It provides a new financing perspective and channel for small and medium-sized enterprises, and is expected to solve the integration of small and medium-sized enterprises which have not been attacked for a long time by the traditional commercial banks' credit mode. However, this innovation model still has many problems, such as high transaction costs, imperfect credit system and lack of legal supervision in the practical use of SME financing. In order to solve these problems and promote the healthy development of the P2B financing model of small and medium-sized enterprises in China, the present market is based on the quality of the bank acceptance bill. The P2B network loan model is described, and the case of the P2B network lending platform, which is the earliest development of the bank acceptance rights pledge in China, is analyzed, and some problems and methods to solve the problems are pointed out. The P2B network financing of the bank acceptance rate pledge is small and medium. Some problems and bottlenecks are also encountered in the development of the new financing methods in the enterprise. In this paper, four aspects of the bill risk, the blank of the law, the lack of supervision and other risks are analyzed in detail. Based on the existence of the above problems, the market conditions and legal environment of the P2B network in the present stage are analyzed, and the legal environment is promoted. The development of the P2B platform for the pledge of the benefit of the bank acceptance bill to avoid unnecessary risks, this paper puts forward the corresponding solutions. Finally, this paper summarizes the development of the P2B network lending platform based on the pledge of the bank acceptance bill of exchange, and looks forward to the development direction of this type of model, and the benefit of the bank acceptance bill. As a new thing, the P2B network lending mode of right pledge is becoming more and more important for banks and government related departments. Small and medium enterprises have gradually understood and tried to solve the problem of funds through it. With the further development of the Internet, there is reason to believe that this kind of network lending platform will become an important way of financing for small and medium-sized enterprises.

【學(xué)位授予單位】：上海交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F724.6;F832.4

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