互联网+背景下H企业融资困境与策略研究.pdf

河北地质大学硕士学位论文 摘 要 摘要：一直以来，中小企业在国民经济发展中占据重要地位，据相关数据统计，全 国每年超过70%的GDP是中小企业提供的。其在维系国民经济稳健增长、提供就业机会、 推动 “大众创业，万众创新”以及优化经济结构等方面发挥着重要作用。但是，在融资 方面来看，我国的信贷市场主要以国有五大行为主导，并且资本市场建设也不完善，导 致中小企业面临融资难困境。随着中国经济的不断发展，“互联网+”时代的到来，在中 小企业融资方面发生了很大改变。融资难问题开始慢慢的出现新的转机。当互联网与金 融业进入融合阶段，一种全新的融资模式逐渐发展起来。互联网金融的兴起，即大有扭 转中小企业融资窘境之势，它凭借其便捷性、高效性、针对性强等优势，成为中小企业 的一次重大发展机遇。 本文以我国互联网发展为切入点，对国内众多中小企业融资现状进行调研，通过调 研找出普遍存在的融资问题，以H企业为例，对互联网+背景下H企业面临的融资困境 及原因进行深入研究，通过研究H企业融资困境，提出了现阶段H企业在互联网+背景 下的优化融资策略。本文研究的最终目的，主要是解决我国大多数中小企业融资遇到的 问题，特别是类似与H企业的中小企业，为我国中小企业融资战略提供有益借鉴，并起 到能够引导我国中企业健康平稳发展的作用，以期提高我国中小企业的核心竞争力。 关键词：互联网+；企业融资；困境； I 河北地质大学硕士学位论文 Abstract Absrtact:Small and medium-sized enterprises (SMEs) have always played an importantrole in the developmentofnationaleconomy.According to relevant statistics, more than 70% of GDP in China is provided by SMEs every year. It playsan importantroleinmaintainingthesteadygrowthofthenationaleconomy, providing employment opportunities, promoting mass entrepreneurship, innovation and optimizing the economic structure. However, in terms of financing, Chinas credit market is dominated by five major state-owned behaviors, and the capital market construction is not perfect, resulting in financing difficulties for small and medium-sized enterprises. With the continuousdevelopment ofChinaseconomy and theadvent of the Internetplus era, great changes have taken place in the financing of small and medium-sized enterprises. Financing difficulties began to emerge slowly new opportunities. When the Internet and financial industry enter the stage of integration, a new financing mode gradually develops. The rise of Internet finance, that is, it has the potential to reverse the financing dilemma of small and medium-sized enterprises. With its advantages of conven