本文選題：網(wǎng)絡(luò)融資 + 小微企業(yè)��； 參考：《山東財(cái)經(jīng)大學(xué)》2015年碩士論文

【摘要】：目前,我國(guó)經(jīng)濟(jì)發(fā)展結(jié)構(gòu)性矛盾日益突出,小微企業(yè)逐步成為經(jīng)濟(jì)增長(zhǎng)新引擎。因此,政府提出構(gòu)建普惠金融體系,使金融服務(wù)惠及包括小微企業(yè)、農(nóng)戶、城市低收入群體在內(nèi)的弱勢(shì)群體。當(dāng)前,網(wǎng)絡(luò)融資進(jìn)入繁榮發(fā)展階段,對(duì)破解小微企業(yè)融資困境具有天然優(yōu)勢(shì)。本文對(duì)基于互聯(lián)網(wǎng)的小微企業(yè)融資進(jìn)行研究具有現(xiàn)實(shí)與理論的雙重意義。一方面,網(wǎng)絡(luò)融資平臺(tái)可以有效解決小微企業(yè)融資中的信息不對(duì)稱及抵押難題,降低交易成本、分散風(fēng)險(xiǎn)、擴(kuò)大金融服務(wù)覆蓋面,是破解小微企業(yè)融資問(wèn)題的首選方式。另一方面,小微企業(yè)網(wǎng)絡(luò)融資是一個(gè)新興事物,國(guó)內(nèi)外對(duì)其研究較少,本文將小微企業(yè)融資與網(wǎng)絡(luò)融資相結(jié)合,研究角度新穎,選擇的切入口較小,便于深入研究。本文采取了比較分析法,對(duì)國(guó)內(nèi)外網(wǎng)絡(luò)融資模式進(jìn)行對(duì)比研究。國(guó)際上,小微企業(yè)網(wǎng)絡(luò)融資模式發(fā)展較早,得益于其完備的信用體系積累了豐富的運(yùn)營(yíng)經(jīng)驗(yàn),網(wǎng)絡(luò)融資監(jiān)管環(huán)境較為寬松及政府的支持。世界上首個(gè)網(wǎng)絡(luò)融資平臺(tái)出現(xiàn)在英國(guó),2010年成立在線票據(jù)交易市場(chǎng)-Marketlnvoice。富國(guó)銀行憑借其強(qiáng)大的網(wǎng)絡(luò)信息技術(shù)打造了美國(guó)最完備的網(wǎng)銀服務(wù)系統(tǒng),發(fā)展成為美國(guó)小微信貸業(yè)務(wù)排名首位的銀行,美國(guó)的Lending club現(xiàn)已發(fā)展為全球第一大網(wǎng)絡(luò)融資機(jī)構(gòu)。近期,我國(guó)小微企業(yè)網(wǎng)絡(luò)融資發(fā)展迅速,出現(xiàn)了多種平臺(tái)模式,包括網(wǎng)絡(luò)循環(huán)貸-工商銀行“網(wǎng)貸通”,電商和商業(yè)銀行合作-“阿里貸款”網(wǎng)絡(luò)聯(lián)保,阿里小貸及拍拍貸、宜信等融資平臺(tái)。本文還采用定性分析與定量分析相結(jié)合的方法,借助拍拍貸網(wǎng)站上實(shí)時(shí)更新的數(shù)據(jù),定期摘取連續(xù)多個(gè)時(shí)日的借貸數(shù)據(jù),對(duì)影響出借人投標(biāo)意愿的因素進(jìn)行實(shí)證研究,并創(chuàng)新性地將單位貸款進(jìn)度作為因變量,很好地?cái)M合了借款利率、借入與借出信用、借款期限等自變量與因變量的因果關(guān)系,從而進(jìn)一步研究了影響我國(guó)網(wǎng)絡(luò)融資機(jī)構(gòu)成長(zhǎng)的因素。本文通過(guò)對(duì)各類網(wǎng)絡(luò)融資平臺(tái)的理論與實(shí)證分析及對(duì)國(guó)外小微企業(yè)網(wǎng)絡(luò)融資發(fā)展的經(jīng)驗(yàn)借鑒,研究發(fā)現(xiàn)我國(guó)小微企業(yè)網(wǎng)絡(luò)融資的發(fā)展存在一系列問(wèn)題,我國(guó)的信用環(huán)境不健全,網(wǎng)絡(luò)融資平臺(tái)管理及各項(xiàng)交易機(jī)制不完善,網(wǎng)絡(luò)融資法制環(huán)境不健全。就上述問(wèn)題,論文從四個(gè)方面提出對(duì)策建議:健全法律監(jiān)管機(jī)制,創(chuàng)新風(fēng)險(xiǎn)控制機(jī)制,完善個(gè)人與企業(yè)信用體系,加大政府對(duì)網(wǎng)絡(luò)小微融資的扶持力度。
[Abstract]:At present, the structural contradiction of China's economic development is increasingly prominent, small and micro enterprises gradually become a new engine of economic growth. Therefore, the government proposes to build an inclusive financial system so that financial services can benefit the vulnerable groups, including small and micro enterprises, farmers and urban low-income groups. At present, the network financing enters the prosperous development stage, has the natural superiority to solve the small and micro enterprise financing predicament. In this paper, the study of small and micro-enterprise financing based on the Internet has both practical and theoretical significance. On the one hand, the network financing platform can effectively solve the information asymmetry and mortgage problems in the financing of small and micro enterprises, reduce transaction costs, disperse risks, expand the coverage of financial services, and is the preferred way to solve the financing problems of small and micro enterprises. On the other hand, the network financing of small and micro enterprises is a new thing, and there is little research on it at home and abroad. This paper combines the financing of small and micro enterprises with network financing, the research angle is novel, the choice of access is small, which is convenient for further study. This article adopts comparative analysis method, carries on the contrast research to the domestic and foreign network financing pattern. Internationally, the network financing model of small and micro enterprises developed earlier, thanks to its complete credit system has accumulated a wealth of operational experience, the network financing regulatory environment is relatively loose and the support of the government. The world's first online financing platform emerged in the UK, setting up an online paper trading market in 2010-Market lnvoice. Wells Fargo has built America's most complete online banking service system with its powerful online information technology, and has become the No. 1 bank in America's microfinance business, and Lending club is now the world's largest online financier. Recently, the network financing of small and micro enterprises in our country has developed rapidly, and there have been many platform models, including network circulation loan-ICBC "NetloanLending", e-commerce and commercial bank cooperation-"Ali loan" network protection, Ali small loan and PPDAI, E-letter and other financing platforms. This paper also uses the method of qualitative analysis and quantitative analysis, with the help of the real-time updated data on PPDAI website, periodically extracts the loan data for a number of consecutive days, and makes an empirical study on the factors that affect the willingness of the lenders to bid. And creatively regard the progress of unit loan as dependent variable, and fit the causality between independent variable and dependent variable, such as borrowing interest rate, borrowing and lending credit, loan term and so on. Thus, the factors that affect the growth of China's network financing institutions are further studied. Through the theoretical and empirical analysis of various kinds of network financing platforms and the experience of the development of small and micro enterprises in foreign countries, this paper finds out that there are a series of problems in the development of network financing of small and micro enterprises in China, and the credit environment of our country is not perfect. The network financing platform management and each transaction mechanism is not perfect, the network financing legal environment is not perfect. In view of the above problems, the paper puts forward countermeasures and suggestions from four aspects: perfecting the legal supervision mechanism, innovating the risk control mechanism, perfecting the credit system of individuals and enterprises, and increasing the government's support to the network micro-financing.
【學(xué)位授予單位】：山東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F276.3;F724.6;F832.4

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