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1、學(xué)校代碼10125專業(yè)代碼125300碩士學(xué)位論文題目互聯(lián)網(wǎng)金融下小微企業(yè)融資策略研究姓名李如專業(yè)會(huì)計(jì)研究方向公司理財(cái)所屬學(xué)院會(huì)計(jì)學(xué)院指導(dǎo)教師郭冰二〇一八年六月十日UniversityCode10125MajorCode125300ShanxiUniversityofFinance&EconomicsDissertationforDoctoralDegreeTitleResearchonthefinancingofsmallandmicroenterprisesundertheInternetFin
2、anceNameLiruMajorMPAccResearchOrientationCorporatefinanceSchoolAccountinginstituteSupervisorGuobingthJun10,2018摘要小微企業(yè)是國(guó)民經(jīng)濟(jì)的重要組成部分,在增加就業(yè)崗位、實(shí)現(xiàn)產(chǎn)品創(chuàng)新、推動(dòng)經(jīng)濟(jì)的增長(zhǎng)等方面做出巨大的社會(huì)貢獻(xiàn),然而,由于信息的不對(duì)稱與小微企業(yè)“短、頻、急、小”等特點(diǎn)使小微企業(yè)很難通過(guò)銀行獲取資金,融資難成為制約小微企業(yè)發(fā)展的瓶頸。隨著互聯(lián)網(wǎng)技術(shù)的發(fā)展,互聯(lián)網(wǎng)金融應(yīng)運(yùn)而生,互聯(lián)網(wǎng)金融
3、為解決小微企業(yè)融資提供了良好的平臺(tái),互聯(lián)網(wǎng)金融與小微企業(yè)融資產(chǎn)生耦合作用與效應(yīng),互聯(lián)網(wǎng)金融在一定程度上能緩解小微企業(yè)的融資難題。但是互聯(lián)網(wǎng)金融作為新興融資模式,在實(shí)際運(yùn)行中由于小微企業(yè)缺乏核心競(jìng)爭(zhēng)力、價(jià)值定位不準(zhǔn)確、缺乏第三方監(jiān)管等原因?qū)е氯谫Y的失敗。本文采用案例分析和對(duì)比分析等研究方法,借助信息不對(duì)稱理論、信貸配給理論、長(zhǎng)尾理論為理論依據(jù),分析小微企業(yè)融資特征及互聯(lián)網(wǎng)金融與小微企業(yè)融資的耦合關(guān)系,以華人天地利用互聯(lián)網(wǎng)金融成功融資及百事手機(jī)、HerCoffee等企業(yè)融資失敗為例,在分析企業(yè)利用互聯(lián)網(wǎng)
4、金融融資的經(jīng)驗(yàn)后,提出增強(qiáng)小微企業(yè)自身建設(shè)、提高小微企業(yè)資金利用率、關(guān)注投資人利益、加強(qiáng)互聯(lián)網(wǎng)金融平臺(tái)建設(shè)、優(yōu)化互聯(lián)網(wǎng)金融外部環(huán)境等政策建議。關(guān)鍵詞:互聯(lián)網(wǎng)金融;小微企業(yè)融資;眾籌融資1ABSTRACTSmallandmicrobusinessesisanimportantpartofthenationaleconomy,theincreaseinemployment,productinnovation,promoteeconomicgrowthandmakeagreatcontributionto
5、society,however,becauseoftheinformationasymmetryandSmallandmicrobusinesses"short,small,frequentandurgent"featuresSmallandmicrobusinessesisdifficulttoobtainfundsthroughthebank.FinancinghasbecomeabottleneckrestrictingthedevelopmentofSmallandmicrobusiness
6、es.WiththedevelopmentofInternettechnology,InternetFinanceemerges,InternetbankingprovidesagoodplatformforsolvingSmallandmicrobusinessesfinancing,InternetbankingandfinancingSmallandmicrobusinesseshavecouplingeffect,Internetbankingcanalleviatethefinancing
7、problemsofSmallandmicrobusinessestoacertainextent.However,asanewfinancingmodel,Internetfinancehasresultedinthefailureoffinancingbecauseofthelackofcorecompetitiveness,inaccuratepositioningofvalue,lackofthirdpartysupervisionandsoon.Basedontheinformationa
8、symmetrytheory,creditrationingtheoryandthelongtailtheory,thispaperanalyzesthefinancingcharacteristicsofsmallandmicrobusinessesandthecouplingrelationshipbetweenInternetFinanceandsmallandmicrobusinessesfinancingbycaseanalysisandcomparativ