摘要
摘要
近年来，我国市场经济发展迅速，小微企业作为促进我国实体经济的重要组成部
分，发挥出了巨大的推动作用。然而，小微企业往往因它本身长期以来受传统行业发
展自身规律所束缚和受制于地方经济实力有限的种种影响，生产规模普遍较小、抗行
业经营风险能力薄弱，相对于那些大型股份制企业，融资受到极大的限制。互联网金
融时代的到来，突破了小微企业信息不对称等传统融资限制，为小微企业的融资提供
了新的渠道。与此同时，作为金融市场主体的商业银行也敏锐地捕捉到了互联网带来
新的市场空间，也纷纷加大了对小微企业的重视。新的市场竞争环境要求商业银行创
新和优化现行的信贷模式，以满足小微企业的融资需求。基于此，本文以 S银行为例，
首先概括了 S银行整体情况及小微信贷业务情况，总结了 S银行传统小微企业信贷模
式种类，并进一步分析传统信贷模式的不足，分析了互联网金融下 S银行供应链金融
模式构建要求，并对该模式基本情况进行介绍，分析其相对于传统模式的比较优势和
存在的不足，并为该模式未来可优化领域的提供着眼点，最后根据 S银行的特点结合
其实际情况提出优化方案。
关键词：互联网金融小微企业信贷模式供应链金融
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Abstract
Abstract
Over the years, China's economy has developed rapidly, and as an important part, micro
enterprises are useful to promote the development of China's economy. However, small and micro
enterprises are often limited by its own developmental law for a long time and in the influence of
comprehensive ability of local economy. Their optimal sizes of business are so small that they
can't be able to resist industrial business risks. Their financing are tremendously limited,
compared with those large joint-stock companies. The traditional financing restrictions, such as
information asymmetry, have been broken by the coming of internet finance, meanwhile,
supplying a new way for the small and micro enterprises to get credit funds. Furthermore, the new
market space which is produced by the Internet has been seized by the commercial banks, which
are the financial market subjects. They have followed with interest to small and micro enterprises.
The new market competition environment requires commercial banks to innovate and optimize
the current credit model to satisfy small and micro enterprises financing demands. Based on this,
citing an instance of S bank, first and foremost, it sums up the general condition of S Bank, and
the small and micro credit service, summarizes the kinds of convention credit models of small and
micro enterprises in S bank, and then go a step further to analyze the shortcomings of the
traditional credit model, analyzes the demands for the structure of S Bank's supply chain financial
model under the Internet finance. In addition, the paper describes the main problems of the model,
and explores its strengths and weaknesses compared with the traditional models. Finally, in the
light of the realistic situation of S Bank, the paper proposes an optimization scheme.
Keywords: Internet Finance; Small and Micro Enterprises; Credit Model; Supply Chain
Finance
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目录
目录
摘要..................I
Abstract.................... II
1绪论....................... 1
1.1背景及意义.............. 1
1.2国内外研究现状............. 2
1.2.1国外研究现状.............. 2
1.2.2国内研究现状.............. 3
1.3本文主要内容及研究方法........... 4
1.3.1本文主要内容.............. 4
1.3.2研究方法............... 4
1.4本文创新之处................. 5
本文创新之处................ 5
1.5论文框架.................. 6
2理论基础及相关概念................ 7
2.1理论基础.................. 7
2.1.1信息不对称理论................. 7
2.1.2信贷配给理论.............. 7
2.1.3麦克米伦缺口理论............. 7
2.2相关概念.................. 8
2.2.1互联网金融概念................. 8
2.2.2小微企业概念.............. 8
2.2.3传统小微企业信贷模式............ 8
2.2.4供应链金融模式................. 9
3S银行传统小微企业信贷模式.............. 11
3.1S银行小微企业信贷业务情况.......... 11
3.1.1S银行概况...................11
3.1.2S银行小微信贷业务情况............... 12
3.2S银行小微企业信贷业务传统模式......... 17
3.2.1S银行IPC信贷模式................17
3.2.2S银行“信贷工厂”模式............... 17
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