互联网金融能降低中小企业的融资成本吗
中小企业作为一个经济体中不可或缺的一部分，在国民经济中发挥着至关重要的作用，而中小企业的融资困难问题始终是中小企业生产和发展的“绊脚石”。本文从中小企业的融资难问题出发，重点探讨了互联网金融在当今中小企业融资过程中承担的角色和发挥的作用。文章通过介绍当今互联网金融的主要发展模式、互联网金融对中小企业融资问题的天然优势以及对比中小企业的传统融资渠道和互联网金融在贷款利率、平均借款期限、借款条件等方面的特点，得出了互联网金融在一定程度上能降低中小企业的融资成本。这主要体现在互联网金融能够极大程度上缓解中小企业“短小频急”的融资需求以及融资门槛比较低等方面。而在贷款利率方面，互联网金融融资模式往往要高于传统金融渠道。
关键词：互联网金融；中小企业融资；P2P网贷
Can Internet Finance Reduce Financing Costs for Small and Medium Enterprises?
ABSTRACT
As an indispensable part of economy, small and medium enterprises play a vital role in the national economy, and the financing difficulties of small and medium-sized enterprises have always been the ‘stumbling’ in the production and development of small and medium-sized enterprises. Starting from the financing difficulties of small and medium-sized enterprises, this paper focuses on the role of internet Finance in the financing process of small and medium-sized enterprises. And this paper introduces the main development mode of Internet Finance, the natural advantages of Internet Finance to the problems of small and medium-sized enterprises, comparing with the traditional financing channels in loan interest rate, the average loan term, loan conditions, etc. The results suggest that the Internet Finance can to some extent reduce the financing costs of small and medium-sized enterprises. This is mainly reflected in the aspects that Internet finance can greatly alleviate the “short, small, frequent and urgent” financing needs of small and medium-sized enterprises and the low financing threshold. But in terms of loan interest rate, Internet financing mode is often higher than traditional financing mode.
Keywords：Internet finance; SME financing; Peer-to-Peer lending
目 录
一、绪论 1
（一）选题背景 1
1、研究背景 1
2、研究意义 1
（二）研究对象与研究方法 1
1、研究对象 1
2、研究方法 1
二、我国互联网金融的融资模式和中小企业的融资窘境 2
（一）互联网金融的发展现状 2
1、互联网金融综述 2
2、互联网金融的融资模式 2
（二）中小企业的融资窘境 4
三、传统融资渠道融资 4
（一）传统的融资渠道 4
（二）银行借贷成本 5
（三）贷款条件 5
四、互联网金融降低中小企业融资成本的理论分析 6
（一）减少信息不对称 6
（二）数据分析优势，实现个性化融资 6
（三）降低融资成本 7
五、互联网金融与小微企业融资成本——以P2P网络借贷为例 7
（一）综合收益率 7
（二）平均期限 8
（三）门槛低 8
（四）业务分布 8
六、结论与建议 10
参考文献 11
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