我国小微企业互联网融资问题研究

我国小微企业互联网融资问题研究(论文15000字)
Research on Internet financing of small and Micro Enterprises in China
摘要：我国的小微企业在当前的市场环境下得到了巨大的发展。在我国的市场经济中扮演着越来越重要的角色。并在解决老百姓就业难的问题上给予了很大的帮助。与此同时让市场经济得到了进一步的发展。小微企业的每一步发展都与金融支持是离不开的。虽然我国的小微企业得到迅猛的发展。但不够成熟的金融体系，让小微企业经常出现融资难的问题。当小微企业向传统商业银行申请融资时。这些银行出于风险以及其他方面的考量很难给予他们贷款上的支持，因此小微企业在现如今仍然遭受着融资难的困扰。
本人首先对小微企业、互联网金融、互联网金融融资以及其优势进行概述。下一步是案例分析环节，本文选取万里传媒为研究对象，研究其互联网融资的现状以及相关融资特点和结果。通过相关现状挖掘出小微企业在互联网融资方面存在着哪些问题。最后从制度、将成本、减风险完善法律法规等方面的提出相应的解决对策。希望这些对策可以解决小微企业在互联网金融融资方面出现的问题。

关键词：小微企业；互联网金融；融资

Research on Internet financing of small and Micro Enterprises in China

[资料来源：www.THINK58.com]

Abstract： Small and micro enterprises in China have been greatly developed in the current market environment. It plays a more and more important role in the market economy of our country. And in solving the problem of common people's employment difficulties has given a lot of help. At the same time, the market economy has been further developed. Every step of the development of small and micro enterprises is inseparable from financial support. Although the small and micro enterprises in our country have been developed rapidly. But the immature financial system, so that small and micro enterprises often appear financing problems. When small and micro enterprises apply for financing from traditional commercial banks. It is difficult for these banks to lend to them for reasons of risk and other considerations. Support, so small and micro enterprises are still suffering from financing difficulties.

I first of all on the small and micro enterprises, Internet financial financing and its advantages are summarized. The next step is the case analysis link, this paper selects Wanli Media as the research object, and studies the current situation of Internet financing and the characteristics and results of related financing. Through the relevant status quo to excavate the small and micro enterprises in the Internet financing problems. Finally, the corresponding countermeasures are put forward from the aspects of system, cost reduction, risk reduction and improvement of laws and regulations. It is hoped that these countermeasures can solve the problems of small and micro enterprises in Internet financial financing.

[资料来源：http://think58.com]

Key words： small and micro enterprises； Internet finance； financing

目 录
引言    1
第1章 小微企业互联网融资基础理论    2
1.1小微企业的界定    2
1.2互联网金融的含义及特点    2
1.3小微企业互联网融资方式    3
1.3.1 P2P网络借贷平台模式的小微企业融资    3
1.3.2 众筹平台融资模式的小微企业融资    3
1.4 互联网金融下小微企业融资的优势    5
1.4.1 缓解信息不对称    5
1.4.2 增加了小微企业的融资集道    5
1.4.3 减少了对小微企业的金融歧视    5
1.4.4 小微企业各种个性化的融资需求得到满足    6
第2章 小微企业互联网的融资现状    7
2.1小微企业融资需求现状    7
2.2小微企业资金供给现状    7
2.3小微企业融资政策效果现状    8
2.4小微企业融资成本现状    8 [来源：http://www.think58.com]
第3章 互联网融资中存在的问题及成因    9
3.1 互联网融资中存在的问题    9
3.1.1 融资支付成本高    9
3.1.2 融资风险高    10
3.1.3 经营风险大    10
3.2  互联网融资中存在问题的成因    10
3.2.1 政府扶持不够    10
3.2.2 互联网金融法律监管体系不健全    11
3.2.3 小微企业管理体系不完善    11
第4章 小微企业互联网融资问题解决对策    13
4.1 降低小微企业融资成本    13
4.2 规范管理制度，增强抗风险能力    13
4.2.1确定好管理的目标    13
4.2.2提升人力资源的管理能力    13
4.2.3加快资金周转，抵抗经营风险    14
4.3 完善相关法律法规    14
第5章 案例分析    15
5.1 小微企业概述    15
5.2 万里传媒公司应用互联网融资的方法    16

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5.3 万里传媒公司应用互联网融资效果分析    17
5.4 万里传媒中存在的融资问题    18
5.5 万里传媒中存在融资问题的对策    19
结束语    20
参考文献    21
致谢    23