本文選題：互聯(lián)網(wǎng)金融征信　切入點：小微企業(yè)　出處：《對外經(jīng)濟貿(mào)易大學》2017年碩士論文　論文類型：學位論文

【摘要】：信用經(jīng)濟是現(xiàn)代市場經(jīng)濟發(fā)展的必由之路,而互聯(lián)網(wǎng)金融平臺的蓬勃興起對傳統(tǒng)的征信體制帶來了不可忽視的影響�；诨ヂ�(lián)網(wǎng)金融平臺的大數(shù)據(jù)征信憑借自身海量資源和數(shù)據(jù)深度挖掘技術(shù)等獨特優(yōu)勢,正在成為發(fā)展信用經(jīng)濟的新標準。改革開放以來我國的企業(yè)整體發(fā)展勢頭良好,但其中小型和微型的企業(yè)仍然占有很大的比例。這些企業(yè)在做大做強的道路中最主要的問題便是融資十分困難。金融信貸是一個有風險的業(yè)務(wù),其風險主要可能出現(xiàn)在貸款前和貸款后——貸款之前的問題是貸款企業(yè)的資信狀況是否良好;貸款之后的問題是所貸資金以怎樣的形式流通。而這兩個方面也就成為了信貸風險防范的兩個針對點。貸款前的風險可以比較好的防范,而貸款后的風險,便不太容易控制,這便是傳統(tǒng)信貸不能更好幫助小型和微型企業(yè)的癥結(jié)所在。通過互聯(lián)網(wǎng)對貸款企業(yè)的信用狀況進行考察,并實時跟蹤其經(jīng)營狀況,可以比較有效的解決以上問題,使不良貸款有更少的可乘之機。本文主要探討互聯(lián)網(wǎng)金融征信對小微企業(yè)發(fā)展的推動作用。全文主要包括五個部分,第一部分為緒論;第二部分為本文的相關(guān)理論;第三部分為互聯(lián)網(wǎng)金融征信對小微企業(yè)融資的積極作用;第四部分為國外互聯(lián)網(wǎng)金融征信體系建設(shè)的經(jīng)驗啟示;第五部分為對策建議;第六部分為結(jié)論。
[Abstract]:Credit economy is the only way to develop modern market economy. However, the booming rise of Internet financial platform has brought a great influence to the traditional credit system. Based on the Internet financial platform, big data's credit reporting has its own unique advantages, such as massive resources and deep data mining technology, and so on. Is becoming a new standard for the development of credit economy. Since the reform and opening up, the overall development momentum of Chinese enterprises has been good. But small and micro businesses still account for a large proportion of them. The main problem for these companies on the way to becoming bigger and stronger is the difficulty of financing. Financial credit is a risky business. Its risk may mainly appear before and after the loan-the question before the loan is whether the credit condition of the loan enterprise is good or not; After the loan, the question is how the funds are flowing. And these two aspects have become the two targets of credit risk prevention. The risk before the loan can be better protected, but the risk after the loan is not easily controlled. This is the crux of the fact that traditional credit cannot better help small and micro enterprises. By examining the credit status of loan enterprises through the Internet and tracking their operating conditions in real time, we can solve these problems more effectively. This paper mainly discusses the role of Internet financial information in promoting the development of small and micro enterprises. The full text mainly includes five parts, the first part is the introduction, the second part is the related theory of this paper. The third part is the positive effect of Internet financial information on the financing of small and micro enterprises; the 4th part is the experience and inspiration of the construction of foreign Internet financial credit system; the 5th part is the countermeasures and suggestions; and the 6th part is the conclusion.
【學位授予單位】：對外經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F276.3;F832.4

【參考文獻】

相關(guān)期刊論文 前10條

1 生蕾;;信息不對稱與互聯(lián)網(wǎng)金融發(fā)展[J];征信;2015年12期

2 董秀麗;;信息時代對互聯(lián)網(wǎng)金融征信建設(shè)的思考[J];時代金融;2015年35期

3 徐爽;巴幸原;;我國互聯(lián)網(wǎng)金融征信體系建設(shè)研究[J];商;2015年44期

4 楊正榮;文良旭;;互聯(lián)網(wǎng)金融背景下征信體系建設(shè)路徑選擇[J];征信;2015年10期

5 謝平;鄒傳偉;劉海二;;互聯(lián)網(wǎng)金融的基礎(chǔ)理論[J];金融研究;2015年08期

6 林銘銘;;以P2P為例淺談互聯(lián)網(wǎng)金融的監(jiān)管和征信體系建設(shè)[J];中國商論;2015年12期

7 蔡麗平;;互聯(lián)網(wǎng)金融征信體系建設(shè)思考[J];青海金融;2015年07期

8 林巧巧;王士娜;王溪;;互聯(lián)網(wǎng)金融信用風險與征信體系建設(shè)[J];中國市場;2015年25期

9 王碩;李強;;互聯(lián)網(wǎng)金融客戶行為研究及對商業(yè)銀行轉(zhuǎn)型的思考[J];當代經(jīng)濟管理;2015年05期

10 方增平;葉文輝;;互聯(lián)網(wǎng)金融背景下發(fā)展新型征信機構(gòu)的思考[J];征信;2015年05期

，

本文編號：1579194