摘 要
随着互联网技术的迅猛发展，互联网金融应运而生并深刻改变着企业融资模式。传统融资模式下中小企业面临融资渠道狭窄、成本高、效率低等问题，在此背景下研究互联网金融对企业融资模式的影响具有重要意义。本研究旨在探讨互联网金融如何影响企业融资模式，采用文献分析法梳理相关理论基础与研究现状，运用案例分析法选取典型互联网金融平台及企业进行深入剖析，并借助实证分析法构建模型对收集的数据进行处理。结果表明，互联网金融拓宽了企业的融资渠道，如P2P网贷、股权众筹等新兴方式为企业提供了更多选择；降低了融资成本，减少了信息不对称带来的额外费用；提高了融资效率，简化流程缩短时间。同时发现不同规模企业在利用互联网金融时存在差异，大型企业更倾向于综合型金融服务，而中小企业则在新兴融资方式上受益更多。
关键词：互联网金融 企业融资模式 P2P网贷
Abstract
With the rapid development of Internet technology, Internet finance arises at the historic moment and profoundly changes the enterprise financing mode. Under the traditional financing mode, small and medium-sized enterprises face the problems of narrow financing channels, high cost and low efficiency. In this context, it is of great significance to study the influence of Internet finance on enterprise financing mode. The purpose of this study is to explore how Internet finance affects the financing mode of enterprises, to use literature analysis method to sort out the relevant theoretical basis and research status, to select typical Internet finance platforms and enterprises by case analysis method for in-depth analysis, and to build a model to process the collected data. The results show that Internet finance expands the financing channels of enterprises, such as P2P online lending, equity crowdfunding and other emerging ways to provide more choices for enterprises; reduces the financing cost, reduces the extra cost of information asymmetry; improves the financing efficiency, simplify the process and shorten the time. At the same time, it is found that there are differences in enterprises of different sizes when using Internet finance. Large enterprises are more inclined to provide comprehensive financial services, while small and medium-sized enterprises benefit more from emerging financing methods.
Keyword:Internet Finance Enterprise Financing Model P2P Online Lending
目 录
1绪论 1
1.1研究背景与意义 1
1.2国内外研究现状 1
1.3研究方法与技术路线 1
2互联网金融对企业融资渠道的影响 2
2.1传统融资渠道的局限性 2
2.2新兴互联网融资渠道分析 2
2.3融资渠道多元化的发展趋势 3
3互联网金融对融资成本的影响 4
3.1传统融资模式的成本构成 4
3.2互联网金融降低融资成本的机制 4
3.3成本效益的实证分析 5
4互联网金融对企业信用评估的影响 5
4.1传统信用评估体系的不足 5
4.2基于大数据的信用评估创新 6
4.3新评估体系对企业融资的影响 7
结论 7
参考文献 9
致谢 10
随着互联网技术的迅猛发展，互联网金融应运而生并深刻改变着企业融资模式。传统融资模式下中小企业面临融资渠道狭窄、成本高、效率低等问题，在此背景下研究互联网金融对企业融资模式的影响具有重要意义。本研究旨在探讨互联网金融如何影响企业融资模式，采用文献分析法梳理相关理论基础与研究现状，运用案例分析法选取典型互联网金融平台及企业进行深入剖析，并借助实证分析法构建模型对收集的数据进行处理。结果表明，互联网金融拓宽了企业的融资渠道，如P2P网贷、股权众筹等新兴方式为企业提供了更多选择；降低了融资成本，减少了信息不对称带来的额外费用；提高了融资效率，简化流程缩短时间。同时发现不同规模企业在利用互联网金融时存在差异，大型企业更倾向于综合型金融服务，而中小企业则在新兴融资方式上受益更多。
关键词：互联网金融 企业融资模式 P2P网贷
Abstract
With the rapid development of Internet technology, Internet finance arises at the historic moment and profoundly changes the enterprise financing mode. Under the traditional financing mode, small and medium-sized enterprises face the problems of narrow financing channels, high cost and low efficiency. In this context, it is of great significance to study the influence of Internet finance on enterprise financing mode. The purpose of this study is to explore how Internet finance affects the financing mode of enterprises, to use literature analysis method to sort out the relevant theoretical basis and research status, to select typical Internet finance platforms and enterprises by case analysis method for in-depth analysis, and to build a model to process the collected data. The results show that Internet finance expands the financing channels of enterprises, such as P2P online lending, equity crowdfunding and other emerging ways to provide more choices for enterprises; reduces the financing cost, reduces the extra cost of information asymmetry; improves the financing efficiency, simplify the process and shorten the time. At the same time, it is found that there are differences in enterprises of different sizes when using Internet finance. Large enterprises are more inclined to provide comprehensive financial services, while small and medium-sized enterprises benefit more from emerging financing methods.
Keyword:Internet Finance Enterprise Financing Model P2P Online Lending
目 录
1绪论 1
1.1研究背景与意义 1
1.2国内外研究现状 1
1.3研究方法与技术路线 1
2互联网金融对企业融资渠道的影响 2
2.1传统融资渠道的局限性 2
2.2新兴互联网融资渠道分析 2
2.3融资渠道多元化的发展趋势 3
3互联网金融对融资成本的影响 4
3.1传统融资模式的成本构成 4
3.2互联网金融降低融资成本的机制 4
3.3成本效益的实证分析 5
4互联网金融对企业信用评估的影响 5
4.1传统信用评估体系的不足 5
4.2基于大数据的信用评估创新 6
4.3新评估体系对企业融资的影响 7
结论 7
参考文献 9
致谢 10
