互联网金融服务小微企业路径研究

本科论文摘 要长久以来小微企业的发展受融资难、融资贵等金融问题的制约，而互联网金融的出现使小微企业找到了解决问题的途径。本文首先总结了小微企业面临的金融困境，其次，分析了互联网金融为小微企业服务的三条主要途径，分别为：融资路径、投资理财、和支付路径，再次，以京东金融为案例，详尽分析了以京小贷为代表的融资路径、以企业金库为代表的投资理财路径和以京东白条为代表的支付路径。最后，针对互联网金融更好的服务于小微企业提出五点建议，推动小微企业的发展。关键词：互联网金融，小微企业，金融困境，京东金融 Abstract本科论文For a long time, the development of small and micro enterprises has been restricted by financial problems such as financing difficulty and high cost. Internet Finance provides new solutions for small and micro enterprises with its unique advantages. This paper first summarizes the financial difficulties faced by small and micro enterprises, and then analyzes the three paths of Internet Financial services for small and micro enterprises: financing path, investment and financing path and payment path .Taking JD finance as an example, this paper analyzes in detail the financing path represented by JD small loan, the investment and financing path represented by enterprise Treasury, and the payment path represented by JDious. Finally, the paper puts forward suggestions from five aspects to improve the path of Internet financial services for small and micro enterprises, so as to promote the development of small and micro enterprises.Key words:Online finance, Small and micro businesses, Financial dilemma, JD finance本科论文目 录前 言...............................................................11. 绪论.............................................................21.1. 研究背景...................................................21.2. 文献综述...................................................21.3. 研究内容及意义........