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论文编号：	6337
作者编号：	2120122607
上传时间：	2014/6/8 21:34:31
中文题目：	互联网金融背景下小微企业融资问题研究
英文题目：	Research on Small and Micro Enterprises’ Financing Problems in the Situation of Internet Finance
指导老师：	张玉利
中文关键字：	小微企业，融资，互联网金融，阿里小贷
英文关键字：	Small and micro enterprises, finance, Internet finance, Ali small loans
中文摘要：	近年来，伴随着我国改革开放的不断深化与国民经济的稳步发展，小微企业在我国的社会经济中承担着越来越重要的角色。小微企业不仅数量众多，而且广泛分布在各个行业，在科技创新与增加就业等方面为我国社会经济的发展做出了巨大的贡献。然而，由于企业规模小、财务状况不透明、管理体制不完善等因素，小微企业在融资时面临很大的困难。尽管我国政府和相关部门对小微企业融资问题非常重视，商业银行等金融机构也面向小微企业开展了金融服务，但是由于信息不对称、担保机制不完善等原因，小微企业融资难题还是未能从根本上得到解决。互联网金融是最近几年在国内新兴的概念，是互联网技术与金融服务相结合的产物。互联网技术的发展带来了金融行业的变革，传统金融机构借助互联网平台进行了产品与服务的创新，而互联网企业也纷纷踏足金融领域。互联网金融能够在一定程度上解决信息不对称的问题，降低金融服务的交易成本，使小微企业的融资环境得到一定的改善。本文分析了小微企业融资的现状，明确了互联网金融的概念以及互联网金融为小微企业提供的融资服务，并从交易成本理论的视角分析了互联网金融对小微企业融资的作用，指出互联网金融如何降低小微企业融资的交易成本。互联网金融既包括传统金融机构的业务创新，也包括互联网企业对金融服务的渗透。本文分别选取商业银行的小微企业融资服务与互联网企业的小微企业融资服务作为研究对象，以浦发银行的小微企业融资服务与阿里巴巴的小额贷款服务（即阿里小贷）作为案例进行深入剖析，研究互联网金融在小微企业融资服务中发挥的作用，从理论上对互联网金融与小微企业融资的关系进行深入剖析。在此基础上，本文探讨了互联网金融对小微企业融资服务的启示，提出了一些针对性的建议。
英文摘要：	In recent years, along with the steady development of China's reform, small and micro enterprises have taken an increasingly important role in our social economy. Not only by the large number , but also widely distributed in various industries, they have made tremendous contributions in technological innovation, employment and other aspects of social and economic development of our country. However, due to their small scale and opaque financial situation, as well as the imperfect management system and other factors, small and micro enterprises face great difficulties in financing. In recent years, the financing problem of small and micro enterprises has raised widely attention by the Chinese government and relevant departments, and the financial institutions have also introduced some financing products and services for small and micro enterprises. Nevertheless, due to asymmetric information, imperfect guarantee mechanism and other reasons, the financing problems of small and micro enterprises hasn’t been fundamentally resolved yet. As the combination of Internet technology and financial services, Internet finance is emerging in the country in recent years. Development of Internet technology has brought changes in financial industry. Traditional financial institutions improve their products and services continuously on the internet platform, Internet companies have also set foot in the financial sector. Internet banking can solve the problem of information asymmetry and lower transaction costs in financial services to some extent, thus the financing environment for small and micro enterprises can get some improvement. This paper analyzes the current situation of small and micro enterprises financing, defines the concept of Internet finance, and classifies small and micro enterprises financing services Internet finance provides. This paper analyzes the role Internet finance plays in small and micro enterprises financing from the perspective of transaction cost theory, noting how Internet finance reduces transaction costs for small and micro enterprise financing. Internet finance includes both traditional financial institutions’ innovation and Internet companies’ penetration in financial services. Financial services for small and micro enterprises of commercial banks and Internet companies are selected as research subjects. Financial services for small and micro enterprises of Shanghai Pudong Development Bank and Ali small loans are used as cases in this paper. On this basis, the paper discusses the revelation of Internet banking and small and micro enterprises financing services, and put forward a number of recommendations.
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