【摘要】：解決陜西省中小企業(yè)轉(zhuǎn)型升級(jí)過程中的資金需求問題對該類企業(yè)成功實(shí)現(xiàn)轉(zhuǎn)型升級(jí),增強(qiáng)其競爭力保持可持續(xù)發(fā)展具有重要的現(xiàn)實(shí)意義。本文在界定中小企業(yè)轉(zhuǎn)型升級(jí)內(nèi)涵、搭建互聯(lián)網(wǎng)金融與企業(yè)轉(zhuǎn)型升級(jí)橋梁的基礎(chǔ)上,結(jié)合陜西省中小企業(yè)轉(zhuǎn)型升級(jí)之實(shí)踐,以解決中小企業(yè)轉(zhuǎn)型升級(jí)過程中的資金需求為目的,重點(diǎn)分析了管理轉(zhuǎn)型、商業(yè)模式轉(zhuǎn)型、行業(yè)轉(zhuǎn)型和企業(yè)升級(jí)等四種陜西省中小企業(yè)常用的轉(zhuǎn)型升級(jí)戰(zhàn)略的動(dòng)因以及其資金需求特征,論述了 P2P網(wǎng)貸、眾籌和電商金融等互聯(lián)網(wǎng)金融工具在解決中小企業(yè)轉(zhuǎn)型升級(jí)資金需求中的優(yōu)勢,并分析了陜西省中小企業(yè)轉(zhuǎn)型升級(jí)過程中應(yīng)用互聯(lián)網(wǎng)金融解決融資問題的現(xiàn)狀。研究結(jié)論表明,互聯(lián)網(wǎng)金融與中小企業(yè)轉(zhuǎn)型升級(jí)融資有著高度的匹配,互聯(lián)網(wǎng)金融的融資優(yōu)勢可以彌補(bǔ)傳統(tǒng)融資渠道中的不足,為中小企業(yè)轉(zhuǎn)型升級(jí)提供資金支持,但是,陜西省中小企業(yè)相比于東部地區(qū)和西部地區(qū)的四川省,并沒有充分發(fā)揮互聯(lián)網(wǎng)金融在中小企業(yè)轉(zhuǎn)型升級(jí)融資中的作用。因此,為促進(jìn)陜西省中小企業(yè)轉(zhuǎn)型升級(jí),本文從中小企業(yè)、互聯(lián)網(wǎng)金融企業(yè)以及政府三方行為主體角度提出政策建議。中小企業(yè)要轉(zhuǎn)變對互聯(lián)網(wǎng)金融的認(rèn)識(shí),積極運(yùn)用互聯(lián)網(wǎng)金融解決轉(zhuǎn)型升級(jí)資金需求;互聯(lián)網(wǎng)金融企業(yè)要積極支持中小企業(yè)轉(zhuǎn)型升級(jí)融資,并積極推動(dòng)互聯(lián)網(wǎng)金融企業(yè)上市;政府要完善互聯(lián)網(wǎng)金融制度,還需要加強(qiáng)與互聯(lián)網(wǎng)金融企業(yè)的合作。
[Abstract]:To solve the problem of capital demand in the process of transformation and upgrading of small and medium-sized enterprises in Shaanxi Province, it is of great practical significance for such enterprises to successfully realize the transformation and upgrade and enhance their competitiveness to maintain sustainable development. On the basis of defining the connotation of transformation and upgrading of SMEs and building a bridge between Internet finance and enterprise transformation and upgrading, this paper combines the practice of transformation and upgrading of small and medium-sized enterprises in Shaanxi Province, in order to solve the needs of funds in the process of transformation and upgrading of small and medium-sized enterprises. This paper focuses on the analysis of the motivation and the characteristics of the capital demand of the transformation and upgrading strategies commonly used by small and medium-sized enterprises in Shaanxi Province, such as management transformation, business model transformation, industry transformation and enterprise upgrading, and discusses the P2P network loan. The advantages of Internet financial tools such as crowdfunding and ecommerce finance in solving the needs of small and medium-sized enterprises in the process of transformation and upgrading are analyzed, and the current situation of using Internet finance to solve financing problems in the process of transformation and upgrading of small and medium-sized enterprises in Shaanxi Province is analyzed. The research results show that Internet finance and SME transformation and upgrading financing have a high degree of matching, the financing advantages of Internet finance can make up for the shortcomings of traditional financing channels, and provide financial support for SMEs transformation and upgrading, but, Compared with the eastern and western Sichuan Province, the small and medium-sized enterprises in Shaanxi Province do not give full play to the role of Internet finance in the transformation and upgrading of small and medium-sized enterprises. Therefore, in order to promote the transformation and upgrading of small and medium-sized enterprises in Shaanxi Province, this paper puts forward policy recommendations from the perspective of the tripartite behavior of SMEs, Internet financial enterprises and the government. Small and medium-sized enterprises should change their understanding of Internet finance, actively use Internet finance to solve the need of transforming and upgrading funds, Internet financial enterprises should actively support SMEs' transformation and upgrade financing, and actively promote the listing of Internet financial enterprises. The government wants to perfect Internet finance system, still need to strengthen the cooperation with Internet finance enterprise.
【學(xué)位授予單位】：西安科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F276.3;F275

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