电商小额信贷金融模式的发展分解.docxVIP

PAGE 9 PAGE \* MERGEFORMATI 课程论文 电商小额信贷金融模式的发展研究———以“阿里小贷”为例 院 系 ：商学院专 业：物流管理年级（班级）：2012级（1）班姓 名：******学 号:*****完成日期：2014年11 月 15日 摘 要 在中国电商发展日益成熟的情况下，基于银行贷款难，手续繁杂，周期长的传统模式，电商小额信贷金融模式逐渐发展起来。所谓的电商小额信贷金融模式是互联网金融的一种形态，属于互联网银行类业务，指电商公司通过其旗下的小额贷款公司，利用掌握的线上贸易数据，通过自有资金及融资对其线上的小微企业进行贷款服务的金融模式。该金融模式主要面向线上的从事电子商务的小微企业，提供的也是小额贷款服务，有效解决了这些小微企业的融资难题，为我国电子商务产业发展提供了有力支撑。本文通过研究国内市场最为常见的电商小额信贷金融“阿里小贷”的发展模式及其优劣势来探索电商小额信贷金融模式在中国的发展状况。 关键词：小额信代；阿里小贷；优劣势 Abstract In Chinese online retailers development day by day mature, based on bank loans difficult, complicated procedures, the traditional mode of long cycle, the microfinance financial model business gradually developed。The so-called Online retailers micro credit financial pattern is a pattern of Internet finance, which belongs to the Internet banking business, refers to the electric company through its subsidiary of the petty loan company, the online trade master data, through its own funds and financing of the line Small and micro businesses in the loan service of financial model. The financial model oriented line mainly engaged in e-commerce Small and micro businesses, also provides microfinance services, effectively solve the financing problem of the Small and micro businesses, providing powerful support for our country electronic commerce industry development. In this paper, through the study of domestic market the development mode and its advantages and disadvantages of common electric micro credit financial Ali small credit business to explore the microfinance financial mode advantages and risks. Key words：Small signal generation；Ali small credit: The advantages and disadvantages 目 录  TOC \o 1-5 \h \z \u  HYPERLINK \l _Toc403827393 1． 引 言  PAGEREF _Toc403827393 \h 1  HYPERLINK \l _Toc403827394 2．互联网金融概述  PAGEREF _Toc403827394 \h 1  HYPERLINK \l _Toc403827395 2.1国内互联网金融概述  PAGEREF _Toc403827395 \h 1  HYPERLINK \l _Toc403827396 2.2国外互联网金融概述