浅析阿里金融小额贷款模式存在的问题及对策摘 要近十年来，我国的电子商务发展迅速，以阿里巴巴为代表的平台大大地改变了商业模式。阿里小贷大多数客户都是运营之中的小微企业，故而阿里小贷面临至关重要的问题就是：融资困难、风险难以把控。目前针对该方面的研究还较为缺乏，因此本文以阿里小贷为例，对新型电子商务业务形式的问题及对策开展研究。在该背景之下，本文通过阐明这种新型的互联网金融创新模式，指出模式所存在的问题，并提出了相关的政策建议。本文将阿里小贷作为研究的案例，通过对阿里小贷模式及其存在的相关问题展开探究。本文分五个部分：首先是引言，叙述了本文的选题背景、意义及其他作者所做的相关研究；第二部分阐述了阿里金融小额贷款模式的发展现状、贷款模式以及目前的几大类贷款产品；第三部分分析了提出了该模式所存在的问题主要包括融资困难、风险把控困难、违约风险不可控三方面；第四部分为解决此类问题的对策；第五部分为总结，对全文进行总结。关键词：阿里金融 小额贷款模式 资金来源 风险控制IABSTRACTIn the past ten years, e-commerce in China has developed rapidly, and the platform represented by Alibaba has greatly changed the business model. Most of Aliundefineds customers are small and micro enterprises in operation, so the key problem is that the financing is difficult and the risk is difficult to control. At present, there is still a lack of research on this aspect, so this paper takes Ali small loan as an example to study the problems and countermeasures of the new e-commerce business form. Under this background, this paper clarifies this new Internet financial innovation model, points out the problems existing in the model, and puts forward some relevant policy suggestions. Through the Ali small loan model and its existence of related problems to explore. This paper is divided into five parts: first of all, the introduction describes the background, significance and related research done by other authors; The second part describes the curr...
