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1、qualificationofSME．Third，asthefinancingguaranteemodeissingleandthemechanismisincomplete，SMEcannotreachthefinancingstandardsduetothesizeormarginproblems．Inaddition，assomeplatformsdonotprovideguarantees，theinterestsoftheinvestorscannotfullyguarantee，whicha
2、lsoaffectsthefinancingofSME．ThepaperputforwarddevelopmentcountermeasuresandsuggestionsofP2PonlinelendingonthefinancingofSMEincludingcreditsystemconstruction，industryregulation，andtheimprovementofguaranteemechanismtobeRersolvetheproblemoffinancingofSMEint
3、hefutureandpromotethepreferabledevelopmentofSME．whichiStheone1wanttointroduceprimarilyinthisPaper．Keywords：SMEP2Ponlinelendingfinancingcreditassurance目錄第一章前言???????????????????．11．1研究背景及意義????????????????．．11．1．1研究背景????????????????．．11．1．2研究意義??????????
4、??????．．11．2國(guó)內(nèi)外文獻(xiàn)綜述????????????????．．21．2．1小微企業(yè)融資問(wèn)題研究????????????．．21．2．2P2P網(wǎng)貸行業(yè)發(fā)展研究????????????．．21．2．3針對(duì)小微企業(yè)融資問(wèn)題的P2P網(wǎng)貸行業(yè)發(fā)展研究?????．31．2．4文獻(xiàn)述評(píng)????????????????．．31．3研究思路與方法????????????????．．41．3．1研究思路????????????????．．41．3．2研究方法????????????????．．41．4創(chuàng)新之處與
5、不足????????????????．．4第二章小微企業(yè)融資相關(guān)概念及影響因素分析??????????52．1相關(guān)概念界定?????????????．’????52．1．1國(guó)際上關(guān)于小微企業(yè)的界定???????????．52．1．2我國(guó)對(duì)小微企業(yè)的界定????????????．．52．2小微企業(yè)融資渠道及特點(diǎn)??????????????82．2．1小微企業(yè)融資渠道簡(jiǎn)介????????????．．82．2．·2小微企業(yè)融資呈現(xiàn)的特點(diǎn)????????????92．3小微企業(yè)融資的影響因素??????????
6、???．．102．3．1宏觀環(huán)境分析???????????????102．3．2微觀環(huán)境分析???????????????10第三章P2P網(wǎng)貸行業(yè)發(fā)展歷程及模式????????????．133．1P2P網(wǎng)貸行業(yè)發(fā)展歷程??????????????．133．2國(guó)內(nèi)外P2P網(wǎng)貸行業(yè)主要發(fā)展模式???????????153．2．1國(guó)外P2P網(wǎng)貸發(fā)展模式簡(jiǎn)介??????????．．．153．2．2國(guó)內(nèi)常見(jiàn)P2P網(wǎng)貸模式介紹???????????17第四章P2P網(wǎng)貸解決小微企業(yè)融資問(wèn)題的案例研究????????．
7、194．1小微企業(yè)利用紅嶺創(chuàng)投成功融資的案例?????????．．194．1．1氽業(yè)情況簡(jiǎn)介???????????????194．1．2小微企業(yè)通過(guò)紅嶺創(chuàng)投融資的過(guò)程?????????194．2基于案例的P2P網(wǎng)貸優(yōu)劣勢(shì)分析???????????．．244．2．1P2P網(wǎng)貸優(yōu)勢(shì)分析?????????????．．254．2．2P2P網(wǎng)貸劣勢(shì)分析?????????????．．26第五章P2P網(wǎng)貸在小微企業(yè)融資應(yīng)用中的問(wèn)題及原因分析??????．285．1P2P網(wǎng)貸在小微企業(yè)融資應(yīng)用中的問(wèn)題?????o???
8、．．285．1．1借款人信用難以保障?????????????285．1．2網(wǎng)貸平臺(tái)存在非法經(jīng)營(yíng)可能性??????????．285．1．3投資人資金來(lái)源合法性難以保證?????????．．285．2P2P網(wǎng)貸在小微企業(yè)融資應(yīng)用中存在問(wèn)題的原因分析?????．．295．2．1借貸中間賬戶缺乏監(jiān)管????????????．295．2．2行業(yè)準(zhǔn)入標(biāo)準(zhǔn)不明確?????????????295．2．3社會(huì)征信體系不健全??????．???????295
