目录摘要：.......................................................................................................4Abstract：…….........................................................................................4一、绪论...............................................................................................................4（一）研究背景与意义.................................................................................41．研究背景.............................................................................................42．研究意义.............................................................................................5（二）文献综述.............................................................................................51．国外研究现状.....................................................................................52．国内研究现状.....................................................................................6二、我国小微企业融资现状及分析..................................................................6（一）小微企业的特点.................................................................................6（二）小微企业融资模式及现状.................................................................71．小微企业的内源性融资.....................................................................72．小微企业外源性融资.........................................................................7（三）小微企业融资的影响因素.................................................................8三、互联网金融的模式......................................................................................9（一）互联网金融.........................................................................................9（二）互联网金融的模式.............................................................................91．P2P网络借贷......................................................................................92．大数据金融.......................................................................................103．第三方支付.......................................................................................104．互联网金融门户...............................................................................11四、互联网金融对小微企业融资的影响实证分析........................................11（一）小微企业融资状况的描述性分析...................................................11（二）小微企业融资模式及现状P2P网络借贷对小微企业融资影响分析.......................................................................................................................111．P2P网络借贷用途............................................................................112．P2P网络借贷对小微企业融资效率的影响....................................123．P2P网络借贷与小微企业融资需求的相关性分析........................13（三）小微企业融资模式综合评价...........................................................131．模糊综合评判原理...........................................................................132．模糊综合评判在小微企业融资上的应用.......................................14五、结论............................................................................................................14致谢....................................................................................................
