互联网金融模式下中小企业融资与发展问题研究——以云南之佳便利店有限..

XCLW52113  互联网金融模式下中小企业融资与发展问题研究——以云南之佳便利店有限公司为例  (字数：13262)

中文摘要

自2013年，余额宝、P2P、比特币等新兴的网络融资平台成为人们关注的热点。互联网融资模式的产生在倒逼传统金融机构转变经营模式，开发新型借贷产品的同时，又催生出“第三方支付、互联网小贷、P2P借款、众筹模式”等一批新的融资模式，这一批新的融资模式的出现直接受益者就是中小企业。中小企业作为我国民生经济和社会发展的重要力量，在就业、专利发明、税收等方面做出了突出贡献。然而，中小企业却在资金这一瓶颈上受到了最严重的制约。中小企业融资困难的原因有很多，突出的表现有：信息不对称、融资渠道狭窄、交易成本高昂等多种问题，而互联网融资渠道不谋而合地针对了中小企业融资难的成因，至少在理论上解决了中小企业融资难的主要症结，基于此本文希望通过对中小企业融资问题、中小企业利用互联网融资解决资金问题的可能性等问题进行分析，为缓解中小企业资金短缺这一发展困境提供理论参考。

关键词：互联网金融；中小企业；融资

abstract

Since 2013, emerging online financing platforms such as yu 'ebao, P2P and bitcoin have become the focus of people's attention. While forcing traditional financial institutions to transform their business models and develop new lending products, the emergence of Internet financing models has also spawned a number of new financing models such as "third-party payment, Internet small loans, P2P lending and crowdfunding", which directly benefit smes. As an important force in the economic and social development of people's livelihood in China, small and medium-sized enterprises have made outstanding contributions in employment, patent invention and taxation. However, small and medium-sized enterprises in the capital of this bottleneck is the most serious constraints. Because there are a lot of small and medium-sized enterprise financing difficulties, outstanding performance: information asymmetry, the narrow financing channel, and high transaction costs, a variety of problems, such as the Internet came to financing channel for the cause of the financing difficulties of small and medium-sized enterprises, at least in theory, solve the financing difficulties of small and medium-sized enterprises the main crux of the problem, based on this the paper hope through to the small and medium-sized enterprise financing problems, the financing of small and medium-sized enterprises using the Internet to analyze the problem such as the possibility to solve the problem of funds, to relieve the shortage of funds the development difficulties of small and medium-sized enterprises to provide theoretical reference.

Keywords: Internet finance; Small and medium-sized enterprises; financing

目录

引言1

第1章 云南之佳便利店有限公司概述2

1.1云南之佳便利店有限公司基本情况2

1.2云南之家便利店有限公司融资与发展现状2

1.2.1融资情况2

1.2.2发展现状3

第2章 云南之佳便利店有限公司融资与发展存在的问题5

2.1扩张资金问题5

2.2经营管理水平问题5

2.3信息化系统问题5

2.4商品种类问题5

第3章 云南之佳便利店有限公司融资与发展问题的原因7

3.1扩张资金短缺且外来竞争者众多7

3.2经营管理水平不高7

3.3信息化系统落后8

3.4商品种类相对单一老旧缺乏竞争力8

第4章 解决之佳便利店融资与发展问题的对策10

4.1利用互联网借贷搜索平台快速获取资金10

4.2获得资金投入信息化系统建设11

4.3解决商品种类单一老旧的问题12

4.4 利用P2P网贷平台增加门店数量13

结束语14

参考文献15