互联网金融对小微企业融资的影响

摘要：随着经济危机的影响，小微企业受到了严重的打击，一些小微企业的经营出现了很大的问题，最关键的问题是资金不足。然而小微企业由于资质差，很难从银行等金融部门得到稳定的筹资，这更加剧了它们的经营困难。令小微企业欣慰的是互联网金融的出现。互联网金融具有不需要繁琐的手续、不需要抵押、放款效率高等一系列优势，对小微企业的融资起着重要作用。在信息化时代，互联网金融有着较大的发展空间，也会大大促进小微企业的健康发展，同时对于促进我国的经济发展起着举足轻重的作用。因此互联网金融对小微企业融资研究受到越来越多的青睐。31351
毕业论文关键词：互联网金融；小微企业；融资
The Impact of Internet Banking on The Financing of Small and Micro Enterprises
Abstract：With the impact of the economic crisis, small and micro enterprises have been severely hit, and many companies are faced with the risk of financial difficulties or even collapse. However, small and micro enterprises are difficult to obtain stable financing because of the small size of the bank, which exacerbated their business difficulties. At this point, the development of Internet banking are able to solve the financing problems of small and micro enterprises to a large extent, and promote the healthy development of small and micro enterprises, and it are able to promote employment in china. Internet banking does not require cumbersome procedures and a series of advantages and play an important role in financing for small and micro enterprises. With the strong development of Internet banking, it will greatly promote the healthy development of small and micro enterprises and it also plays a pivotal role in promoting China's economic development. Therefore, the study of internet banking on the financing of small and micro enterprises is more and more popular.
Key words: internet finance；small and micro enterprises；financing
目录
摘要：   4
Abstract：……   4
一、绪论   4
（一）研究背景与意义   4
1．研究背景   4
2．研究意义   5
（二）文献综述   5
1．国外研究现状   5
2．国内研究现状   6
二、我国小微企业融资现状及分析   6
（一）小微企业的特点   6
（二）小微企业融资模式及现状   7
1．小微企业的内源性融资   7
2．小微企业外源性融资   7
（三）小微企业融资的影响因素   8
三、互联网金融的模式   9
（一）互联网金融   9
（二）互联网金融的模式   9
1．P2P网络借贷   9
2．大数据金融   10
3．第三方支付   10
4．互联网金融门户   11
四、互联网金融对小微企业融资的影响实证分析   11
（一）小微企业融资状况的描述性分析   11
（二）小微企业融资模式及现状P2P网络借贷对小微企业融资影响分析   11
1．P2P网络借贷用途   11
2．P2P网络借贷对小微企业融资效率的影响   12
3．P2P网络借贷与小微企业融资需求的相关性分析   13
（三）小微企业融资模式综合评价   13
1．模糊综合评判原理   13
2．模糊综合评判在小微企业融资上的应用   14
五、结论   14
致谢   14 互联网金融对小微企业融资的影响:http://www.751com.cn/jingji/lunwen_27478.html