需要金币： 500 个金币 |
资料包括：完整论文 |  |
 |
| 转换比率：金额 X 10=金币数量， 例100元=1000金币 | 论文字数：17742 |  | |
| 折扣与优惠：团购最低可5折优惠 - 了解详情 | 论文格式：Word格式(*.doc) |  |
摘要：随着互联网时代的到来，我国中小企业在国民经济中的地位不断攀升。本研究的目的在于探索互联网金融缓解中小企业融资约束背后的融资模式和运作机制，并针对互联网金融的现存风险提出对应的防范措施。首先，本文分析了体现中小企业融资难的四个方面以及造成这种融资困境的内外部原因。其次，本文通过阐述互联网金融的优势并结合数据分析了两种互联网金融融资模式和五种运作机制，证明了互联网金融在缓解中小企业融资问题上的有效性以及理论上的指导价值。最后，本文结合海宁皮革城的实际融资案例，提出了互联网金融的现存风险和防范措施，加强了互联网金融融资模式在现实中的可行性以及本研究将理论分析落实到实际应用的实践价值。
关键词：互联网金融；中小企业；融资约束；风险防范
目 录
摘 要
Abstract
Contents
1. Introduction...1
1.1 Research Background and Significance...1
1.2 The Innovation Points...1
1.3 Literature Review.2
2. Theoretical Analysis on Internet Finance to Alleviate the Financing Constraints of SMEs........5
2.1 The Developed Overview of Internet Finance..5
2.2 The Definition and Developed Overview of SMEs..6
2.3 Analysis of the Current Financing Constraints of SMEs..7
2.4 Reasons for Financing Difficulties of SMEs.9
3. Advantages of Internet Finance in Alleviating the Financing Constraints of SMEs....17
3.1 Alleviate the Lack of Collateral and Insufficient Guarantees.18
3.2 Big Data Finance Overcomes the Information Asymmetry18
3.3 Strengthen Feasibility of Low-cost and High-efficiency Financing for SMEs...19
4. Implementation Path for SMEs to Alleviate Financing Constraints under the Internet Finance....22
4.1 Internet Finance Break the Monopoly of Traditional Financing.22
4.2 New Financing Models Created by Internet Finance......23
4.3 The Operating Mechanism and Theory of Internet Finance to Alleviate the Financing Constraints of SMEs...31
5. A Case Analysis on Internet Finance to Alleviate Financing Constraints of SMEs — Haining Leather Plaza...34
5.1 Introduction and Developed Overview of Haining Leather Plaza......34
5.2 Analysis of Financing Constraints of Haining Leather Plaza.....34
5.3 Analysis of financing channels of Haining Leather Plaza under Internet Finance.35
6. The Risks of SMEs in Financing Path of Internet Finance..40
6.1 Low Credibility of Internet Finance Company's Self-assessment...40
6.2 Internet Financing Network Operation and Safety Supervision Risks..41
7. Countermeasures and Suggestions for the Above Risks...42
7.1 Promote the "Self-inspection" of Internet Financial Platforms...42
7.2 Establish the Legal System and Strengthen Market Supervision43
8. Research Conclusion....45
References.47
Acknowledgements |
