本文選題：小微企業(yè)　切入點(diǎn)：融資　出處：《華僑大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：小微企業(yè)是就業(yè)市場(chǎng)的主力軍,宏觀經(jīng)濟(jì)下行大背景下,小微企業(yè)融資難問題日益突出,直接影響到小微企業(yè)的生存和發(fā)展,妥善解決小微企業(yè)融資難問題,事關(guān)全局,意義重大�；ヂ�(lián)網(wǎng)是劃時(shí)代的技術(shù)進(jìn)步,自20世紀(jì)70年代起源于美國(guó)后,經(jīng)過40多年的高速發(fā)展,互聯(lián)網(wǎng)信息技術(shù)在傳統(tǒng)金融行業(yè)得到了廣泛應(yīng)用,對(duì)傳統(tǒng)金融行業(yè)的變革和發(fā)展產(chǎn)生了深遠(yuǎn)的影響。隨著互聯(lián)網(wǎng)信息技術(shù)在金融行業(yè)的廣泛應(yīng)用和深化發(fā)展,互聯(lián)網(wǎng)金融概念被國(guó)內(nèi)學(xué)者提出和完善�；ヂ�(lián)網(wǎng)金融的發(fā)展可以分為兩個(gè)階段,第一階段是互聯(lián)網(wǎng)信息技術(shù)在傳統(tǒng)金融行業(yè)的廣泛應(yīng)用,傳統(tǒng)金融行業(yè)通過應(yīng)用互聯(lián)網(wǎng)信息技術(shù)來改造和重組原有的業(yè)務(wù)流程和組織架構(gòu),實(shí)現(xiàn)傳統(tǒng)金融行業(yè)的互聯(lián)網(wǎng)變革;第二階段是類似阿里巴巴這些新興的互聯(lián)網(wǎng)企業(yè)通過應(yīng)用互聯(lián)網(wǎng)技術(shù)開展金融創(chuàng)新,對(duì)原有的傳統(tǒng)金融行業(yè)支付交易方式、傳統(tǒng)金融業(yè)務(wù)模式產(chǎn)生了顛覆式創(chuàng)新沖擊,促進(jìn)了金融投融資渠道和業(yè)務(wù)經(jīng)營(yíng)模式的創(chuàng)新發(fā)展。互聯(lián)網(wǎng)金融通過廣泛應(yīng)用移動(dòng)支付、大數(shù)據(jù)、云計(jì)算等現(xiàn)代互聯(lián)網(wǎng)信息技術(shù),努力實(shí)踐去中介化,進(jìn)一步降低信息不對(duì)稱程度,提高資金配置效率,減少了交易雙方的交易成本�；ヂ�(lián)網(wǎng)金融服務(wù)小微企業(yè)融資創(chuàng)新為我們做好小微企業(yè)金融服務(wù)工作、妥善解決小微企業(yè)融資難問題提供了一個(gè)全新的視角和解決思路。面向小微企業(yè)的互聯(lián)網(wǎng)金融創(chuàng)新,緩解了小微企業(yè)融資難問題,有力推動(dòng)了小微企業(yè)的良性發(fā)展。本文選取了兩個(gè)案例:一是阿里電商小額貿(mào)易融資模式,簡(jiǎn)稱阿里小貸。阿里小貸是我國(guó)特有的基于互聯(lián)網(wǎng)金融所產(chǎn)生的金融創(chuàng)新,利用龐大的交易數(shù)據(jù)和信息流,通過這些數(shù)據(jù)挖掘分析來對(duì)客戶進(jìn)行信用評(píng)價(jià)和融資服務(wù),扶持依托阿里電商平臺(tái)上的小微企業(yè)發(fā)展。二是貴州天成控股基于移動(dòng)互聯(lián)信息技術(shù)構(gòu)建的小微企業(yè)金融服務(wù)平臺(tái)。通過以上兩個(gè)案例的分析,本文提出互聯(lián)網(wǎng)金融服務(wù)小微企業(yè)融資創(chuàng)新建議:一是進(jìn)一步促進(jìn)傳統(tǒng)金融與互聯(lián)網(wǎng)的深度融合,傳統(tǒng)金融和互聯(lián)網(wǎng)金融合作空間巨大,可以優(yōu)勢(shì)互補(bǔ),深化合作;二是通過大數(shù)據(jù)、移動(dòng)互聯(lián)網(wǎng)、云計(jì)算等互聯(lián)網(wǎng)技術(shù)創(chuàng)新,可以實(shí)現(xiàn)把資金的供給與小微企業(yè)的融資需求在更大的范圍內(nèi)進(jìn)行精確匹配,緩解小微企業(yè)融資難問題;三是加強(qiáng)互聯(lián)網(wǎng)金融信息透明度,建設(shè)小微企業(yè)互聯(lián)網(wǎng)金融信用數(shù)據(jù)庫(kù),完善小微企業(yè)信息披露渠道建設(shè),降低信息獲取成本;四是優(yōu)化互聯(lián)網(wǎng)金融發(fā)展環(huán)境,一方面政府要加大政策扶持適度寬容,另一方面也要加強(qiáng)互聯(lián)網(wǎng)金融監(jiān)管防范風(fēng)險(xiǎn)。
[Abstract]:Small and micro enterprises are the main force of the job market. Under the background of the macroeconomic downturn, the financing difficulties of small and micro enterprises become increasingly prominent, which directly affect the survival and development of small and micro enterprises, and properly solve the financing difficulties of small and micro enterprises, which have a bearing on the overall situation. The Internet is an epoch-making technological progress. Since 1970s, when it originated in the United States, after more than 40 years of rapid development, Internet information technology has been widely used in the traditional financial industry. It has had a profound influence on the change and development of traditional financial industry. With the wide application and deepening development of Internet information technology in financial industry, The concept of Internet finance has been put forward and perfected by domestic scholars. The development of Internet finance can be divided into two stages. The first stage is the wide application of Internet information technology in traditional financial industry. The traditional financial industry uses Internet information technology to transform and reorganize the original business process and organizational structure to realize the Internet transformation of the traditional financial industry. The second stage is that new Internet enterprises such as Alibaba have used Internet technology to carry out financial innovation, which has had a disruptive and innovative impact on the original payment and transaction methods of the traditional financial industry and the traditional financial business model. It has promoted the innovative development of financial investment and financing channels and business models. Through the extensive use of modern Internet information technologies such as mobile payment, big data and cloud computing, Internet finance has endeavoured to practice disintermediation. Further reduce the degree of information asymmetry, improve the efficiency of capital allocation, and reduce the transaction costs of both parties. Internet financial services, small and micro enterprises financing innovation for us to do a good job in small and micro enterprise financial services, Properly solving the financing difficulties of small and micro enterprises provides a new perspective and solution. Internet financial innovation for small and micro enterprises alleviates the financing difficulties of small and micro enterprises. This paper selects two cases: one is the small trade financing mode of Alibaba e-commerce, which is referred to as Ali small loan. Ali small loan is the unique financial innovation based on Internet finance in China. Using the huge transaction data and information flow, through these data mining analysis to carry on the credit appraisal and the financing service to the customer, Supporting the development of small and micro enterprises based on Ali e-commerce platform. Second, the financial service platform for small and micro enterprises constructed by Guizhou Tiancheng Holdings based on mobile interconnection information technology. Through the analysis of the above two cases, This paper puts forward some innovative suggestions on the financing of small and micro enterprises in Internet financial services. Firstly, it is necessary to further promote the deep integration of traditional finance and the Internet. The cooperation between traditional finance and Internet finance has a huge space, which can complement each other's advantages and deepen cooperation; Second, through big data, mobile Internet, cloud computing and other Internet technology innovation, can achieve the supply of funds and the financing needs of small and micro enterprises in a larger range of accurate matching, to alleviate the financing difficulties of small and micro enterprises; Third, to strengthen the transparency of Internet financial information, to build a database of Internet financial credit for small and micro enterprises, to perfect the construction of information disclosure channels for small and micro enterprises, and to reduce the cost of obtaining information; fourth, to optimize the environment for the development of Internet finance. On the one hand, the government should increase policy support and moderate tolerance, on the other hand, it should strengthen Internet financial supervision to prevent risks.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.4;F275

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