秦巴片山区小微互联网金融模式创新探究教程.doc

毕 业 设 计（论 文） 题 目： 系 别： 经济管理学院 专 业： 物流管理 班 级： T1053-13 学生姓名： 学 号： 201005313 指导教师：  摘要 现在，全球经济一体化日益加快，商业竞争呈现差异化，个性化，网络化和速度化的特点，互联网金融作为Internet上的金融模式，随着网络信息快速传输使金融的效率和效能进一步提高，以Internet为核心支持的金融模式，即互联网金融正在发展成为现代金融模式的主流，强烈地冲击着传统金融行业。与此同时秦巴连片特困地区小微金融也需要紧紧跟随时代的脚步，及时的做出变革，发展它所蕴含的独特的内在潜力。 本文以秦巴片山区为例，针对小微企业的信贷特点和融资需求，设计了基于集聚优势的网络池融资方式，并对比分析了网络联保融资与网络池融资模式的异同点。考虑到小微企业的信用风险，运用博弈论方法分别构建了网络联保融资和网络池融资模式下银行、电商及小微企业的决策模型，并对比分析了各个参与主体在不同融资模式下的不同决策。研究结果表明，在网络联保模式下，电商平台应制定合理的网络联保体规模并控制各参与企业的融资额度，以最大程度降低网络联保体的违约风险；在网络池融资模式下，电商平台应通过制定合理的融资利率，吸引小微企业选择网络池融资，从而实现多方共赢。 关键词：秦巴连片特困地区；小微金融；互联网金融；对策  Abstract Now, global economic integration is accelerating, the commercial competition presents differentiation, personalized, the characteristics and the speed of the network, the Internet financial as Internet financial model, along with the network information transmission so that the efficiency and effectiveness of financial to further improve, with Internet as the core of the financial support mode, which is the development of Internet banking has become the mainstream of modern financial model, a strong impact on the traditional financial industry. At the same time Qinba destitute areas of small micro finance also need to follow the footsteps of the times, make changes timely, it contains the unique inner potential. In this paper the Qinba mountainous area as an example, the Small and micro businesses credit and financing needs, design the network pool financing advantage of agglomeration based, and comparative analysis of the network security of financing and financing mode and the similarities and differences between the network pool. Considering the Small and micro businesses of credit risk, decision-making model bank, electric and Small and micro businesses of the network security of financing and financing mode network pool was constructed using the method of game theory respectively, and comparative analysis of different decision of all participants in