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论文编号：	10256
作者编号：	2120132769
上传时间：	2018/6/19 15:33:55
中文题目：	互联网金融科技助贷企业的融资方式研究 —以X公司为例
英文题目：	Financing methods of a cyber financial service company
指导老师：	齐岳
中文关键字：	互联网金融；个人消费；融资
英文关键字：	Internet banking; Personal consumption; Financing
中文摘要：	社会的发展过程中，经济发展发挥着至关重要的作用，是推动社会逐渐向前发展的重要动力源泉。随着金融业国际化的发展以及计算机、网络产业的快速兴起，现代经济发展的关键核心就是金融业，进入信息时代以来，随着互联网技术的革新、快速发展以及普遍应用，促进了互联网与金融产业的结合形成互联网金融。在这一大的背景下，政府提出鼓励创业的政策导向，在经济发展转型的需求下，互联网金融产业在我国的发展势头极为迅猛，成为了全民关注的重点。2013年7月份，国务院根据市场发展需要下发《国务院办公厅关于金融支持经济结构调整和转型升级的指导意见》（国办发〔2013〕67号），明确指出要进一步发展消费金融促进消费升级，逐步扩大消费金融公司的试点城市范围。2015年6月10日，国务院总理李克强主持召开国务院常务会议，决定将消费金融公司试点扩至全国，增强消费对经济的拉动力。该次会议明确指出，发展消费金融，重点服务中低收入人群，有利于释放消费潜力、促进消费升级。会议决定，放开市场准入，将原在16个城市开展的消费金融公司试点扩大至全国。而深入到这个新兴崛起的行业它是如何经营的，是值得深入细致研究的。 在此背景下，本文的研究重点主要涉及在当前环境下，互联网金融科技助贷企业进行融资的方式研究，采取了文献研究方法和案例分析方法，参考了大量的国外及国内文献，围绕着互联网金融为什么能够发展的根本内因，对于经济社会产生的意义，通过对相关理论进行汇总分析，对行业进行理论框架基础的搭建。然后介绍X公司的经营现状，公司创立3年多时间，从业务模式，发展历程，如何求发展的过程，在此基础上总结对于类似公司的共性情况，并提出发现问题，并对问题形成原因进行根本分析，最后针对互联网金融企业的经营方式特性提出相应的融资解决方案，并通过X公司3年的阶段和实践经历，阐述解决方案的适应性和落地方式，最后对于互联网金融企业在强化融资能力方面，需要在企业本身不断加强的相关治理。 在理论分析环节，本文首先针对互联网金融展开了讨论与分析，通过了解了行业第一阶段的萌芽期，到现在是第三阶段的发展期，对互联网金融的发生发展进行了阐述，相关的理论概念，行业特征，做出互联网金融的形成与发展是经济、金融以及信息技术发展到一定时期的必然产物这一理论判断，因此互联网金融的诞生与发展必然会对整个金融市场产生巨大影响。继而介绍了适合互联网金融企业的融资方式股权融资，股权融资是指企业的现有股东愿意让出部分企业所有权，通过企业增资的方式引进新的股东，同时使总股本增加的融资方式。股权融资所获得的资金，企业无须还本付息，但新股东将与老股东同样分享企业的赢利与增长；P2P模式（peer-to-peer)是伴随互联网金融发展而形成一种新型融资模式，即点对点网络借款，其本质就是通过聚积社会上闲散的碎片资金后形成一定规模的资金储备后向有资金需求的客户提供贷款。该项融资模式不同于传统意义上的熟人介绍模式，而是很好的利用了互联网发展带来的技术福利，充分体现出了网络贷款的优越性，即便捷的享受贷款；金融机构助贷模式，本质上是为银行信托等金融机构承担产品开发、获取客户、协助风险管理的外包模式；和信贷资产的资产证券化模式，以特定的资产组合或者现金流作为基础，采取证券这种价值形态的的资产运转模式的经营方式。具体而言包括实体资产证券化、信贷资产证券化、证券资产证券化和现金资产证券化四大形式。 在案例结合部分，文章以X公司作为实际案例，介绍了其个人消费的业务范围和当前经营状况，提出了X公司目前面临的一些问题，并针对这些问题形成的原因做出了详细的分析，任何经营活动都有时间维度，在不同的时间阶段，背景不同，能力不同，主要矛盾也不一样。X公司3年多的发展，每一个阶段都有其需要考虑的因素，那么融资活动对应到公司不同的发展阶段，更有现实的指导意义，X公司4个发展阶段采用及考虑的融资方式就是完整的融资解决方案。 最后，本文还进一步提出了互联网金融企业的配套解决方案，包括公司组织战略层面、战略规划贯彻以及阶段目标的制定与落实、人才管理等等，并在具体实施方面详细介绍了X公司在完善公司管理体制，市场营销策略等方面的改进。
英文摘要：	In the process of social development, economic development plays a vital role and is an important source of power to push forward the development of society. With the development of the internationalization of the financial industry and the rapid rise of the computer and network industry, the key to the development of modern economy is the financial industry. Since entering the information age, with the innovation, rapid development and universal application of the Internet technology, the combination of the Internet and the financial industry has been promoted to form the Cyber financial service. Under this background, the government puts forward the policy guidance to encourage entrepreneurship, Under the demand of economic development and transformation, the development momentum of the Cyber financial industry in China is very rapid, and it has become the hot topic of the society. In July 2013, the State Council issued the guidance of the office of the State Council on the adjustment of financial support economic structure and transformation and upgrading (No. 67 of State Office [2013]) in accordance with the needs of the general office of the State Council in accordance with market development. It clearly pointed out that consumer finance should be further developed to promote consumption upgrading and gradually expand the scope of the pilot city of the Consumer Finance Companies. In June 10, 2015, Premier Li Keqiang of the State Council convened a standing meeting of the State Council, which decided to expand the Consumer Finance Companies pilot to the whole country and enhance the driving force of consumption to the economy. The meeting clearly pointed out that the development of consumer finance, focusing on the service of low and middle income groups, is conducive to the release of consumption potential and promotion of consumption upgrading. The conference decided to liberate market access and expand the pilot projects of Consumer Finance Companies in 16 cities to the whole country. And how it goes into the newly rising industry is worth studying deeply and carefully. Under this background, the research topic of this paper mainly involves the research on the way of financing by cyber financial science and technology aid enterprises under the current environment. It adopts the literature research method and the case analysis method, which refers to a large number of foreign and domestic literature, and around the fundamental internal cause of the development of Cyber financial. The significance of economic and social development, through the analysis of relevant theories, the establishment of theoretical framework for the industry. Then it introduces the operation status of X company. The company founded more than 3 years, from business model, development course, and how to develop. On this basis, it summarizes the common situation of similar companies, and puts forward the problems to find out, and makes a fundamental analysis of the reasons for the formation of the problems, and the management mode of Internet financial enterprises most later. The characteristics of the corresponding financing solutions, and through the 3 years of X company and practice experience, explain the adaptability and landing mode of the solution. Finally, the Cyber financial enterprises in strengthening the financing capacity, the enterprise itself needs to strengthen the relevant governance. In the theoretical analysis link, this paper first discussed and analyzed cyber financial. Through the understanding of the first stage of the industry, it is the third stage of development, and the development of Cyber financial is expounded, related theoretical concepts, industry characteristics, the formation and development of Cyber financial. Exhibition is the theoretical judgment of the inevitable product of economic, financial and information technology development to a certain period. Therefore, the birth and development of Cyber financial will inevitably have a great impact on the whole financial market. Then it introduces the financing way suitable for the Cyber financial enterprises. Equity investment financing means that the existing shareholders are willing to give out part of the ownership of the enterprise, introduce the new shareholders through the way of increasing the capital and increase the financing way of the total share capital. The funds obtained by equity financing do not need to repay the interest, but the new shareholders share the profits and growth of the enterprise as well as the old shareholders. The P2P model (peer-to-peer) is a new financing mode with the development of Cyber financial, that is, the point to point network loan, the essence of which is to accumulate the idle fragments investment money of the society and provide loans to customers. This financing model is different from the traditional model, but is a good use of the technical benefits brought by the development of the Internet, which fully embodies the superiority of the network loan, which is convenient to enjoy the loan, and the financial institution is essentially for the bank trust and other financial institutions to undertake the development and acquisition of the products. The outsourcing model to assist the risk management, and the asset securitization model of the credit assets, based on the specific portfolio or cash flow, and take the mode of operation of the asset operation mode of the securities, which is the value form of the securities. Specifically, it includes four forms: physical asset securitization, credit asset securitization, securitisation of securities assets and securitization of cash assets. In the case of the case, the article takes X company as the actual case, introduces the business scope and current situation of its personal consumption, puts forward some problems that X company is facing at present, and makes a detailed analysis on the reasons for the formation of these problems, and any business activities have the time dimension at different time stages, Different backgrounds and different abilities have different main contradictions. X company has more than 3 years of development, each stage has its needs to consider, so the financing activities corresponding to the different stages of the development of the company, more practical guiding significance, the 4 development stages of the financing and consideration of the 4 stages of financing is a complete financing solution. Finally, this paper further puts forward the supporting solutions of the Internet financial enterprises, including the strategic level of the company, the implementation of the strategic planning, the formulation and implementation of the stage target, the management of talents and so on. In the concrete implementation, it introduces the X company in perfecting the company management system and marketing strategy. Improvement.
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