互联网融资模式研究分析论文

本科论文摘 要 阿里巴巴成立于 1999 年其先后建立了淘宝网、天猫网、阿里小贷、支付宝等一系列应用广泛的网站和软件，在给人们带来方便的同时也带来了大量的商机。阿里巴巴电子商务平台上的商户主要是一些小微企业，随着阿里巴巴的发展壮大，商户的数量也是逐渐增多，随之而来的就是小微企业的融资问题，由于小微企业缺少资金，而传统的金融机构又不愿意贷款给他们，所以阿里巴巴便创建了阿里小贷，旨在解决平台上小微企业融资难的问题。这种新型的融资模式给世界电子商务平台融入了生机，目前国内对这种融资模式研究较少，本文通过对阿里小贷的兴起背景、发展历程，以及对具体案例进行分析，从产品类型、资金来源、业务流程等来分析阿里小贷的商业模式，并对其进行对比，得出阿里小贷的优势和局限性，最后对以阿里小贷为代表新型融资模式的未来进行展望并给予一点自己的建议。关键词：阿里小贷，小微企业，小额贷款本科论文AbstractAlibaba was founded in 1999 it has established a series of application of Tmall network, taobao.com, Ali small loan, Alipay and other extensive website and software, bring convenience to people it also brings a lot of opportunities. Alibaba e-commerce platform for businesses is mainly a number of small and micro enterprises, with the development and expansion of Alibaba, the number of businesses is also gradually increased, attendant is small and micro enterprise financing problems, due to lack of funds for small and micro enterprises, and the traditional financial institutions and don't want to loans to them, so Alibaba will create Ali small loans, aimed at resolving the platform on the small micro enterprise financing difficult problem. This new mode of financing to the e-commerce platform in the world into the vitality, the current domestic on the financing model research is less. In this paper, the Ali small loan, the rise of the background, development process, and carries on the analysis to the concrete case, from product types, s...