中国地质大学长城学院本科毕业论文题目P2P网络借贷在小微企业融资中的应用研究院别经济学院专业会计学学生姓名孙伶杰学号013130429指导教师高祥晓职称讲师2017年4月30日P2P网络借贷在小微企业融资中的应用研究摘要最近几年国民经济不断增加，小微企业在社会财富积累方面的作用越来越突出，但小微企业的资金问题一直是最让小微企业头疼的。P2P网络借贷从2007年引进国内后，其作为一种新型融资渠道,虽出现时间不长，但已成为当前较为热门的一种融资方式，同时，在网络金融市场上，小微企业是这以市场上当之无愧的主要力量。由于小微企业特有的资金需求特点，使其在网络金融市场上占有很大的份额。小微企业利用P2P网络进行融资，拓宽了小微企业的融资渠道，丰富了融资手段，是解决小微企业融资问题的福音。伴随着P2P网络借贷逐渐进入市场、应用于实践，其弊端也日渐显现。本文就小微企业融资难的现状以及P2P网络借贷在应用中存在的一些问题，针对性的提出一些改进措施，目的是更好的促进二者更好发展。关键词：P2P网络借贷；小微企业；融资难ABSTRACTWiththerapiddevelopmentofnationaleconomyinrecentyears，Smallmicroenterpriseismoreandmoreprominentinthepositioninnationaleconomy，ButsmallmicroenterprisefinancingdifficultieshavebeenanimportantfactorrestrictingthedevelopmentofsmallenterprisesP2Plendingintroducedintodomesticsince2007.Asanewfinancingchannels,Thoughtimeisnotlong,Buthasbecomethecurrentrelativelypopularakindoffinancingway,Atthesametime,Inthenetworklendingmarket,Smallmicroenterprisebecamethemainstayofthemarket,ThecharacteristicsofP2Pnetworkborrowingfitssmallmicroenterprisefinancingdemandcharacteristics,Verygoodsolutiontothesmallmicroenterprisefinancingdifficultiesofthisconstraint,LendingtoP2Pnetworkapplicationsmallmicroenterprisefinancing,Wideningthefinancingchannelofsmallmicroenterprises,Enrichedthefinancing,Toeasethesmallmicroenterprisefinancingdifficultieshasfar-reachingsignificance.WithP2Plendinginthecontinuousapplicationofsmallmicroenterprisefinancing,Theproblemalsoarisesatthehistoricmoment,Inthispaper,thepresentsituationofthesmallmicroenterprisefinancingdifficulties、TheadvantagesofP2PlendinginthesmallmicroenterprisefinancingandtheanalysisofthecurrentsituationofthedevelopmentoftheP2Plending,ItslendingtoP2Pnetworkinsmallmicroenterprisefinancingapplicationsarefacedwiththeproblem,PutforwardsomepolicySuggestionsaccordingly,SoastobetterpromoteP2Plendingmicroandsmallenterprisesbetterdevelopmentoftheeconomy.Keywords:P2Plending;Smallmicroenterprise;Financingdifficulties目录1前言……………………………………………………………………………………………………………1