金融-互联网金融背景下东莞市小微企业融资存在的问题及对策分析.docxVIP

PAGE PAGE II 互联网金融背景下东莞市小微企业融资存在的问题及对策分析 摘 要 随着全球化的发展，我国市场经济得到长足发展，小微企业作为我国经济的重要组成部分也得到了很大的发展。小微企业对于促进经济发展、创造就业机会、增加财政收入、推动科技创新等方面起到很重要的作用。但当前我国小微企业由于抗风险能力相对较弱、规模有限，使得其存在较严重的融资问题。本文主要探讨解决东莞市小微企业的融资问题及对策分析建议，从互联网金融背景出发，结合东莞市小微公司的融资现状，分析出融资困难的影响因素，即企业自身的管理水平较低，组织结构设置和财务制度都不够完善，以及宏观环境使得企业的融资渠道可选择面比较窄。并找出相应的解决的对策，希望能为东莞市小微企业的融资问题提供一些合理性的建议。 关键词：互联网金融背景 东莞市 小微企业 融资 创新  ABSTRACT With the development of globalization, Chinas market economy has made great progress. As an important part of Chinas economy, small and micro enterprises have also made great progress. Small and micro enterprises play an important role in promoting economic development, creating job opportunities, increasing fiscal revenue and promoting scientific and technological innovation. However, due to the relatively weak anti-risk ability and limited scale of Chinas small and micro enterprises, there are serious financing problems. This paper mainly discusses the dongguan small micro enterprise financing problems and countermeasures analysis suggested that, from the Internet financial background, the current situation of financing of small company in dongguan, analysis the influence factors of the financing difficulties, namely the low level of the management of the enterprise itself, organization setup and financial system are not perfect, as well as the macro environment makes the enterprise can be available in the narrow financing channels. And find out the corresponding countermeasures, hoping to provide some reasonable Suggestions for the financing of small and micro enterprises in dongguan. Key words: Internet finance background Dongguan city Small and micro enterprises Financing innovation 目 录 TOC \o 1-3 \h \z \u 一、引言 1 （一）选题背景及意义 1 （二） 文献综述 2 （三）融资相关概述 3 1. 融资的方式 3 2. 融资的目的 3 二、互联网金融背景下东莞市小微企业融资模式及现状 4 （一）东莞市小微企业融资模式 4 1. 银行承兑汇票融资 4 2. 通过担保公司融资 4 3. 房地产抵押融资 4 （二）东莞市小微企业融资现状 4 1. 融资额度小，数量多，成本高 4 2. 融资以短贷为主 5 3.民间融资是重要融资选择 6 三、互联网金融背