基于中小企业的视角传统银行业与互联网金融融资分析
本文采用数据分析法、文献研究法、经验总结法的研究方法，首先从研究该课题的意义以及与本文一些相关的概念进行阐述，在中小企业的角度上分析现今互联网金融和传统金融的现状，进而研究对于中小企业融资的传统金融和互联网金融的优劣势，最后总结出针对中小企业融资方面互联网金融和传统银行业的所应该做出的调整和提出建议。
关键词：互联网金融； 传统银行业； 中小企业； 融资
Abstract
With the result of the investigation of “THE E ZUBAO” in December,2015,the investors lost their economical money due to the illegal fund-raising of these peer-to-peer (P2P)company.Therefore,more and more investors claimed that they will not invest on the P2P platform.Compared to the 2014 year ,there was three times that managers abandoned their enterprises,which means it has increased 600 these company.Besides,over 200 enterprises were abandoned by their managers while there were only 80 companies newly opening,which showed negative growth.Thees shocking figures blow to the confidence of the investors,and many economic experts worry about the prospect of P2P companies.Which one will the small and medium enterprises choose to financing,the traditional bank or the P2P company?According to the particularity of the small and medium enterprises ,this article gives advises analyzing the Internet financial companies and the traditional banks.
Using research methods,such as data analysis ,data studies,experiential summary,this article will describe the research significance of this subject and define some concepts ,on the basis of the small and medium enterprises analyze current situation and strength and the weakness of the P2P companies and the banks.Finally,the article will make some suggestions.
Key words: Internet finance；bank；the small and medium enterprises；financing
目 录
摘 要 I
Abstract II
一、研究背景及意义 1
（一）研究背景 1
（二）研究意义 2
二、相关概念辨析 3
（一）中小企业融资方式 3
（二）互联网金融 3
三、银行贷款流程和现状 5
（一）银行贷款流程 5
（二）银行贷款现状 5
四、P2P网贷 7
（一）P2P起源 7
（二）P2P定义 8
（三）P2P网贷贷款流程 9
五、银行与P2P网贷的优劣势比较 10
（一）银行的优势与局限性 10
（二）P2P的优势与局限性 12
优尔、针对中小企业融资的对策与建议 13
（一）传统银行业的建议 13
（二）P2P网贷的建议 14
七、总结 15
参考文献 16
致 谢 17 ,4161
传统银行业与互联网金融融资分析-基于中小企业的视角