2010阿里贷款模式及抵押贷款模式比较.docVIP

诚信明 独立完成观点数据和文献等的引用在文中指出,并与参考文献相对应 ? ? 毕业论文（设计）作者签名： 签名日期： 年 月 日 论文摘要 中小企业的贷款融资问题是各国政府以及金融体系都难以解决的难题。在中国，中小企业的数量占中国企业的99%，并承担了大部分的社会经济活动。作为信贷金融市场的弱者，中小企业因为其自身的规模限制，以及信息不对称理论的存在，导致众多的中小企业无法取得同大型企业一样的优质贷款授信额度。本文通过对中小企业资本结构相关理论的研究，分析中小企业贷款难的核心制约因素，以信息不对称为切入点，通过对比各国解决中小企业融资困境的方法，将新型金融创新产品阿里贷款与传统融资模式带入模型进行对比，从而得出针对于中小企业进行贷款的结论和建议。 关键词：中小企业融资；资本结构；阿里贷款；信息不对称 Abstract Loan financing problems of small and medium-sized enterprises and the financial system is governments are difficult to solve the problem. In China, the number of small and medium-sized enterprises of Chinas enterprises, and 99% of the social economic activities. As the credit of financial market weak, small and medium-sized enterprises for its own size limit, and information asymmetry theory, causing many small and medium-sized enterprise cannot achieve the same quality with large enterprises loan forehead. Based on smes capital structure theory research, analysis of small and medium-sized enterprises is the core factors, loans to information right, through comparing nations called sme financing difficulties of solving method, the new financial innovation products with the traditional financing model ali loans into the model, thus draws on loans to small and medium-sized enterprises of the conclusion and suggestion. Key word: Sme financing; Capital structure; Ali loans；Information asymmetry 目 录 前言．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．７ 问题的提出．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．７ 关于中小企业融资主要研究现状．．．．．．．．．．．．．．．．．．７ 国外研究现状．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．７ 国内研究现状．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．８ 本文的研究结构及方法．．．．．．．．．．．．．．．．．．．．．．．．．．９ 中小企业融资理论 中小企业融资理论综述．．．．．．．．．．．．．．．．．．．．．．．．．．９ 有税MM理论．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．９ 信息不对称理论．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．１０ WACC加权平均资本成本．．．．．．．．．．．．．．．．．．．．．．．．．１１ 网络联保贷款．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．１１ 中小企业融资特点．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．１１ 中小企业定义及财务结构特点．．．．．．．．．．．．．．．．．．．．１１ 中小企业融资制约因素分析．．．．．．．．．．．．．．．．．．．．．．１２ 融资渠道仍较狭窄，融资成本上升．．．．