互联网+背景下大学生创业融资问题的分析

中文摘要

随着社会的快速发展，“互联网+”已成为这个时代的背景，也是社会发展的趋势。近几年由于高校的不断扩招，使得大学文档生人数不断增大，就业形势愈发严峻，上岗就业越来越困难。因此，许多大学生文档以后，直接选择了创业，大学生创业已成为一种常态。大学生利用知识的优势开展自己的创业项目，不仅增强了自己的经营管理能力，也对于结构、创新还有统筹的能力有了一个提升。目前，大学生创业最主要的的困难莫过于是创业的融资问题，家庭经济不支持，很难筹到资金、没有合适的渠道、自身信用不够而导致借贷困难等。而在当今“互联网+”的大背景下，出现了许多新型的融资方式，虽然给创业融资带来了便利，但也衍生出许多新型的融资问题：怎样利用网络融资方式来进行融资、该如何选择合适的融资方式、网络融资有哪些弊端、该如何避免更大的风险等。本文从大学生创业现状及出现的融资问题、新型互联网融资方式的优劣势来入手，结合“互联网＋”的时代背景来分析大学生创业新型融资问题的主要因素，并针对问题提出相应的对策和措施。

关键词：大学生创业；互联网+；新型融资方式；对策

abstract

With the rapid development of society, "Internet plus" has become the background of this era and the trend of social development. In recent years, due to the continuous expansion of college enrollment, the number of college graduates is increasing, the employment situation is becoming more and more serious, the job employment is more and more difficult. Therefore, after graduation, many college students directly choose to start their own business, which has become a normal state. By using the advantages of knowledge to carry out their own entrepreneurial projects, college students not only enhance their management ability, but also improve their ability of structure, innovation and overall planning. At present, the most important difficulty for college students to start their own business is the financing problem of starting their own business. Without the support of family economy, it is difficult to raise funds, there is no appropriate channel, and their own credit is not enough, which leads to the difficulty in borrowing. In today's "Internet +" under the big background, appeared a lot of new financing way, although brought convenience to start-up financing, but also spawned many new financing problems: how to use the web to financing, financing ways, how to choose appropriate financing way, the network finance what are the disadvantages, such as how to avoid the risk of a larger. This paper starts from the current situation and financing problems of college students' entrepreneurship, as well as the advantages and disadvantages of new Internet financing methods, analyzes the main factors of new financing problems of college students' entrepreneurship by combining the background of "Internet +", and puts forward corresponding countermeasures and measures.

Key words: college students entrepreneurship; Internet plus; New forms of financing; countermeasures

目录

引言1

第1章 绪论2

1.1选题背景2

1.2研究现状2

1.2.1国外研究综述2

1.2.2国内研究综述2

1.3研究方法和框架3

第2章 大学生创业的基本概况4

2.1现行社会下大学生创业的基本概况4

2.2大学生创业经常遇到的问题4

2.2.1难以找到切入点4

2.2.2较少的社交经验4

2.2.3资金不足5

2.3案例分析—以云南工商学院大学生创业项目为例5

2.3.1云南工商学院大学生创业案例介绍：5

2.3.2云南省大学生创业自身的融资现状6

2.3.3互联网融资方式的优势：7

2.3.4合互联网融资方式的限制7

第3章 大学生创业融资现状及问题9

3.1自筹资金仍是创业者的主要融资来源9

3.2各种新型互联网融资方式的出现9

3.3 融资金额小风险大9

第4章 大学生创业融资问题的原因分析11

4.1自筹资金仍是创业者的主要融资来源11

4.2各种新型互联网融资方式的出现11

4.3 融资金额小、周期短、风险大11

第5章 解决互联网+背景下大学生创业的融资问题12

5.1大学生创业项目融资方式的选择与风险分析能力12

5.1.1选择合适的融资方式12

5.1.2分析融资的风险问题12

5.2融资方式组合的对策13

5.2.1先“内部”后“外部”的原则13

5.2.2根据实际，选择融资方式13

结语15

参考文献16