本文選題：互聯(lián)網(wǎng)金融 + 小微企業(yè)��； 參考：《武漢理工大學》2015年碩士論文

【摘要】：小微企業(yè)是一個國家經(jīng)濟和社會發(fā)展的重要支撐,但是小微企業(yè)的發(fā)展受到了融資方面的制約。隨著互聯(lián)網(wǎng)金融的迅猛發(fā)展,出現(xiàn)了以第三方互聯(lián)網(wǎng)平臺為中介的小微企業(yè)融資模式的創(chuàng)新,這為解決小微企業(yè)融資難題提供了新思路。互聯(lián)網(wǎng)金融時代下小微企業(yè)融資模式的創(chuàng)新能否有效的緩解小微企業(yè)融資難題?融資模式的創(chuàng)新是如何緩解小微企業(yè)融資難題的?為了解決這些問題,有必要了解小微企業(yè)融資難的原因、互聯(lián)網(wǎng)金融的含義,在此基礎(chǔ)上剖析互聯(lián)網(wǎng)金融背景下小微企業(yè)融資的運行機理,分析和比較我國近年出現(xiàn)的主要新型融資模式。本文從小微企業(yè)融資難的角度出發(fā),通過運用定量分析法、比較分析法、個案研究法以及博弈論的方法研究分析互聯(lián)網(wǎng)金融與小微企業(yè)融資模式創(chuàng)新的問題�；ヂ�(lián)網(wǎng)金融背景下小微企業(yè)融資模式的創(chuàng)新對小微企業(yè)的發(fā)展具有重要意義。為此,通過查閱相關(guān)文獻,本文做了以下研究:第一,對小微企業(yè)融資和互聯(lián)網(wǎng)金融進行了理論分析。對小微企業(yè)的概念進行了界定,并分析了制約小微企業(yè)融資難的因素;界定了互聯(lián)網(wǎng)金融的含義,分析了互聯(lián)網(wǎng)金融的優(yōu)勢,剖析互聯(lián)網(wǎng)金融背景下小微企業(yè)融資的運行機理。第二,選取了我國近年來出現(xiàn)的主要的新型小微企業(yè)融資模式進行分析和比較。主要選取了點對點融資模式、基于大數(shù)據(jù)的小額貸款融資模式、互聯(lián)網(wǎng)供應(yīng)鏈融資模式、互聯(lián)網(wǎng)金融門戶融資模式以及眾籌融資模式,從運行機理以及風險控制方面進行了分析和比較。第三,運用博弈論分析互聯(lián)網(wǎng)金融背景下小微企業(yè)融資中參與主體的決策過程。通過建立信號博弈模型,分析三種貝葉斯均衡下參與者的行為。最后,根據(jù)理論分析和博弈分析的結(jié)果,提出互聯(lián)網(wǎng)金融背景下小微企業(yè)融資模式創(chuàng)新的對策建議。
[Abstract]:Small and micro enterprises are the important support of a country's economic and social development, but the development of small and micro enterprises is restricted by financing. With the rapid development of Internet finance, the innovation of financing mode of small and micro enterprises which is mediated by the third party Internet platform has emerged, which provides a new way to solve the financing problem of small and micro enterprises. In the era of Internet finance, can the innovation of financing mode of small and micro enterprises effectively alleviate the financing problems of small and micro enterprises? How does the innovation of financing mode alleviate the financing problem of small and micro enterprises? In order to solve these problems, it is necessary to understand the causes of the financing difficulties of small and micro enterprises, the meaning of Internet finance, and then analyze the operating mechanism of financing of small and micro enterprises under the background of Internet finance. This paper analyzes and compares the main new financing modes in China in recent years. From the point of view of financing difficulties of small and micro enterprises, this paper analyzes the problems of Internet finance and the innovation of financing mode of small and micro enterprises by means of quantitative analysis, comparative analysis, case study and game theory. Under the background of Internet finance, the innovation of financing mode of small and micro enterprises is of great significance to the development of small and micro enterprises. Therefore, by consulting the relevant literature, this paper does the following research: first, the small and micro enterprise financing and Internet finance are theoretically analyzed. This paper defines the concept of small and micro enterprises, analyzes the factors restricting the financing of small and micro enterprises, defines the meaning of internet finance, analyzes the advantages of internet finance, and analyzes the operating mechanism of financing of small and micro enterprises under the background of internet finance. Secondly, this paper analyzes and compares the main new financing models of small and micro enterprises in recent years. It mainly selects the point-to-point financing model, the micro-loan financing model based on big data, the Internet supply chain financing model, the Internet finance portal financing model and the crowdfunding mode. The operation mechanism and risk control are analyzed and compared. Thirdly, game theory is used to analyze the decision-making process of the participants in the financing of small and micro enterprises under the background of Internet finance. By establishing signal game model, the behavior of participants under three Bayesian equalization is analyzed. Finally, according to the results of theoretical analysis and game analysis, the paper puts forward the countermeasures and suggestions for the innovation of financing mode of small and micro enterprises under the background of Internet finance.
【學位授予單位】：武漢理工大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F724.6;F832.4

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