网络金融对我国小微企业融资的影响研究

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1、万方数据ABSTRACTABSTRACTSmallandmicroenterpriseshavemadesignificantcontributionstopromoteChineseeconomicgrowth，increaseemployment，buttheirfurthergrowthhasmanydifficultiesfortheshortageoffunds．Inthispaper,thefinancingsituation，fundingneedandcharacteristicsofSmallandmicroenterprisesisev

2、aluated．Theseproblemssuchasthefinancingbytraditionalfinancingchannelsaredifficult，moreexpensiveandhighlyriskyareanalyzed．Basedonalargenumberofsmallandmicroenterprisesfinancingresearchresults，ItisprovedinthispaperthattheseproblemsofSmallandmicroenterprisesfinancingthroughtraditiona

3、lchannels，areultimatelycausedbyBank-dominatedfinancialsystem．Internetfinanceoffersaneffectivewaytosolvetheseproblems．Itenhancestheindustry。Sabilitytoinnovateandserviceandimprovestheindustry’Soperationalefficiencybytheadvancedtechnologiessuchasbigdata，cloudcomputingandSOon．Itisaref

4、orm，breakthroughandinnovationofthetraditionalfinance．Comparedwithtraditionalfinancingchannels，Intemetfinancechannelismoreadaptivetothesmallmicroenterprisefundingneeds．Inthefieldofservicingthesmallandmicroenterprisesfinancing，Intemetfinancehasahugeadvantageintechnology,businessproc

5、esses，informationprocesses，riskmanagement，securitymechanisms．DuetothedevelopmentofIntemetfinance，itsregulatoryandlegalsystemstillneedtobeimproved；theopenness，anonymityofIntemetthreatenstheinformationsecurityofsmallandmicroenterprises，SOtheproblemsofinformationsecurityinInteractfin

6、ancearereallyrequiredtobevalued．Intotal，Internetfinanceenrichesthechannelstothesmallandmicroenterprisesfinancing，reducesthecostanddifficultyofthesmallandmicroenterprisesfinancing，effectivelyeasesproblemsinthesmallandmicroenterprisesfinancing．Withthefurtherimprovementanddevelopment

7、ofIntemetfinance，Intemetfinancechannelswillbecomethefirstchoiceforthesmallandmicroenterprisesfinancing．KEYWORDS：smallandmicroenterprises，internetfinance，financing万方数据目录摘要⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．．IABSTRACT⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．工I第1章绪论⋯⋯⋯⋯．．．⋯⋯⋯⋯⋯⋯⋯．⋯．．．．⋯．．11．1选题背景、目的及意义⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．11．1．1

8、选题背景⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．．11．1．2选