摘要互联网金融,是当今我国的经济热点问题,其在起步较晚的背景下,依靠相对宽松的监管环境,依然取得了高速发展。在2014年《政府工作报告》中,李克强总理首次提出,促进互联网金融健康发展,完善金融监管协调机制。这充分表明国家及政府对新生金融产品互联网金融的重视,着力引导互联网金融发挥积极意义。从网上银行、第三方支付、再到P2P网贷平台,互联网金融的出现和发展创新,为解决我国备受关注的中小企业融资难问题提供了新的思路和模式,对缓解我国中小企业融资难现状具有重大意义。45616
本文以金融创新的产物P2P网络借贷平台为研究对象,从互联网金融的背景、P2P借贷模式和发展现状着手,在中小企业传统融资难的背景下,通过P2P网络借贷在中小企业融资中的运用进行分析,深刻认识到以融资视角出发的互联网金融的重要作用和不足。为此,基于P2P借贷平台在发展中存在的问题,文章提出了引导并完善我国P2P网络借贷平台发展的政策建议。
毕业论文关键词:互联网融资; P2P; 中小企业
Abstract
Internet finance is the hot topic in China now, which started late but has achieved rapid development depending on a permissive regulatory climate. In 2014 the government work report, premier Keqiang Li first proposed that we should promote the healthy development of the internet finance and improve the coordination mechanism of financial supervision. This fully shows that the government attaches newly internet finance and guides internet finance to play a positive meaning. The internet finance rely on technologies like the internet big data, intelligent search, cloud computing and so on to realize business goals, which differ from the traditional finance. The appearance and development of internet finance provide new ideas and mode for solving the difficulty of finance occurred in small business. It’s of great significance to relieve the present situation.
As the P2P of object to study, this article begin on the background of internet finance and definition, character, current development of P2P, analyzing the current financial situation of small business. It deeply realized that P2P has an important role and weakness through applying the internet finance into the financing of small business. Finally , the article makes suggestions to guide and complete the development of internet finance in China.
Key words: Internet finance;P2P;Small business
目 录
摘 要Ⅰ
AbstractⅡ
一、引言1
㈠ 研究背景与意义1
㈡ 国内外文献综述2
二、P2P网络借贷平台概述4
㈠ 互联网金融的发展背景 4
㈡ P2P的概念及现状分析 5
㈢ P2P网络借贷平台与中小企业 7
三、P2P网络借贷平台缓解中小企业融资难问题的优势分析8
㈠ 网络形式为主导,实现高效融资 8
㈡ 发挥信息优势,降低融资成本 9
㈢ 面向大众,壮大信贷市场 9
㈣ 风险评测,完善中小企业信用体系9四、P2P网络借贷平台缓解中小企业融资难问题的劣势分析10
㈠ 网贷系统尚未健全,P2P安全性受到考验 10
㈡ 人气不足,影响借贷效率10
㈢ 信用评级制度尚不完善10
㈣ 风控能力不足 10
㈤ 存在监管困境,宏观调控缺失11五、完善P2P网络借贷平台发展的建议11
㈠ 建立健全互联网金融相关的法律法规 11
㈡ 加强新技术的应用,防范互联网信息风险 11
㈢ 统一标准,推动行业自律 12
㈣ 加强人才培训,建设专业化队伍12
㈤ 引入独立的资金托管平台12
参考文献13
致 谢14
基于融资视角的互联网金融的研究----以P2P网络借贷平台为例 P2P网络借贷融资视角的互联网金融的研究:http://www.751com.cn/jingji/lunwen_47129.html