电商金融模式与前景的研究.docVIP

电商金融模式与前景的研究 摘要 在当今社会，互联网金融逐步走向成熟，越来越多的人都在使用互联网金融，抛弃了传统金融。在电子商务平台上，电商逐步走向互联网金融。这一走向，使我国中小微企业融资难的问题得以解决，使融资问题带来转机。由于我国中小型企业众多，这一转变给我国经济发展带来深远的影响。本文以电商金融的发展作为研究内容，重点包括了三个方面：我国电商金融发展的概况，我国电商金融市场的规模，以及我国电商金融阶段性行业特征。通过分析传统商业银行与电商金融模式的差异之处，从而得出了电商金融具有良好的发展前景，具有方便，快捷使交易成本大大的降低的好处的结论，它肩负着任重而道远的压力，使得自己扮演的角色越来越重要。 关键词： 融资电商金融传统银行电商金融模式 Abstract In todays society, the Internet financial gradually matures, more and more people are using the Internet in the financial, abandoned the traditional finance. On the e-commerce platform, electricity financial gradually towards the Internet. This trend, make the micro, small and medium enterprises financing difficult problem to solve in our country, make the financing problems. Due to the small and medium-sized enterprises in our country is numerous, the shift bring profound influence on Chinas economic development. In this paper the development of electricity financial as the research content, mainly includes three aspects: the general situation of electricity financial development in our country, the scale of electricity financial market in our country, and the characteristics of electricity financial stage industry in China. Through the analysis of the traditional mode of commercial Banks and electrical business financial differences, thus obtained the electric business financial has good prospects for development, has a convenient, fast and make the conclusion of the benefits of the transaction cost greatly reduced, it shoulder the pressure of a long way to go, made itself is playing an increasingly important role. Keywords: financing Electricity financial Traditional Banks Electricity financial model 一、绪论 （一）选题背景 随着社会的不断进步和发展，互联网金融行业开始逐步成熟，目前，互联网金融行业已成为互联网影响最深的领域之一。在2014年，李克强总理在政府工作报告中指出：“促进互联网金融的健康发展，完善金融监管机制，守住不发生系统性和区域性的金融风险”。在这几年，互联网金融发生了翻天覆的变化，他的飞速发展，对传统金融产生了巨大的变化和冲击。近期，全社会的目光都已经聚集在“互联网金融”上。 随着科技的不断的进步，互联网金融在不断的发展，在2010年，阿里巴巴成立了小额贷款公司，使它旗下金融服务有着更好的发展，为客户更方便的提供了金融服务；2012 年，京东商城为了进一步的发展，推动了互联网供应链金融， 为其供应商提供了信贷服务。在互联网金融各种样式的模式中，以电