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1、学校代码10125专业代码125300硕士学位论文题目互联网金融下小微企业融资策略研究姓名李如专业会计研究方向公司理财所属学院会计学院指导教师郭冰二〇一八年六月十日UniversityCode10125MajorCode125300ShanxiUniversityofFinance&EconomicsDissertationforDoctoralDegreeTitleResearchonthefinancingofsmallandmicroenterprisesundertheInternetFin
2、anceNameLiruMajorMPAccResearchOrientationCorporatefinanceSchoolAccountinginstituteSupervisorGuobingthJun10,2018摘要小微企业是国民经济的重要组成部分,在增加就业岗位、实现产品创新、推动经济的增长等方面做出巨大的社会贡献,然而,由于信息的不对称与小微企业“短、频、急、小”等特点使小微企业很难通过银行获取资金,融资难成为制约小微企业发展的瓶颈。随着互联网技术的发展,互联网金融应运而生,互联网金融
3、为解决小微企业融资提供了良好的平台,互联网金融与小微企业融资产生耦合作用与效应,互联网金融在一定程度上能缓解小微企业的融资难题。但是互联网金融作为新兴融资模式,在实际运行中由于小微企业缺乏核心竞争力、价值定位不准确、缺乏第三方监管等原因导致融资的失败。本文采用案例分析和对比分析等研究方法,借助信息不对称理论、信贷配给理论、长尾理论为理论依据,分析小微企业融资特征及互联网金融与小微企业融资的耦合关系,以华人天地利用互联网金融成功融资及百事手机、HerCoffee等企业融资失败为例,在分析企业利用互联网
4、金融融资的经验后,提出增强小微企业自身建设、提高小微企业资金利用率、关注投资人利益、加强互联网金融平台建设、优化互联网金融外部环境等政策建议。关键词:互联网金融;小微企业融资;众筹融资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