Full-Text Search:
Home|Journal Papers|About CNKI|User Service|FAQ|Contact Us|中文
《On Economic Problems》 2014-01
Add to Favorite Get Latest Update

The Small and Medium-sized Enterprise Network Financing Model Experiment——Taking “Ali Micro Credit” as an Example

WU Jun-ying;School of International Business,Zhenjiang Yuexiu University of Foreign Languages;  
"Network financing"is a new financing mode to solve the financing problem of micro,small and medium-sized enterprises. This paper takes Alibaba Micro Credit Limited's( referred to Ali) network loan experiments as the typical case,has an analysis on operational features,loan techniques,risk control,credit system and concludes: Network loans' fast and efficient features can meet the financing demands of micro,small and medium-sized enterprises-"short,frequent,fast". The flexibility of network loans reduces loan financing costs of micro,small and medium-sized enterprises. The establishment of network credit database improves the enterprise information transparency,and barrier-free information communication reduces the enterprise credit cost.
【CateGory Index】: F832.4;F276.3
Download(CAJ format) Download(PDF format)
CAJViewer7.0 supports all the CNKI file formats; AdobeReader only supports the PDF format.
【Citations】
Chinese Journal Full-text Database 5 Hits
1 WANG Lei(School of economic and trade,Zhongzhou University,Zhengzhou 450000,China);Tight Monetary Policy Under the Background of Small and Medium-sized Enterprise Financing Channel Analysis——Taking Henan as an Example[J];On Economic Problems;2012-06
2 ZHAO Gang(Shanxi Institute of Economic Management,Taiyuan 030024,China);Reflections on the Promotion of SME Lending Platform Service Functions[J];On Economic Problems;2012-07
3 Yuan Zengting,Cai Zhen,Wang Xuxiang(China Research Center of Economic Statistics,Tianjin University of Finance and Economics,Tianjin,300222);The causes and countermeasures of the difficulties in China's small business financing——Analysis based on province questionnaire[J];Economist;2010-08
4 Justin Yifu Lin & Yongjun Li;Promoting the Growth of Medium and Small-sized Enterprises through the Development of Medium and Small-sized Financial Institutions[J];Economic Research Journal;2001-01
5 LV Wen-dai,XU Shi-qin(School of Business,Renmin University of China,Beijing 100872,China);Game Model of Loan Pricing for SMEs in View of Bank[J];On Economic Problems;2013-08
【Co-citations】
Chinese Journal Full-text Database 10 Hits
1 TANG Zhi-xiang (Economic College,Anhui University,Hefei 230039,China);Analysis and Countermeasures for the Difficulty in Financing of Small and Medium-sized Enterprises[J];;2004-03
2 SHAO Shuo-fang, WANG Lian(Business School of Hubei University, Wuhan 430062, China);Route Selection for the Standardized Development of Non-governmental Finance[J];Journal of Anhui Institute of Education;2005-05
3 XU Yue-hui(Anhui Institute of Economic Management, Hefei 230059,China);Analysis of the Financing Preference Structure in Private Listed Company[J];Journal of Anhui TV University;2005-02
4 HU Yang- cheng, LI Xiao- ming(College of Economy and Management,Anhui Agricultural university,Hefei,230036,Anhui);Studies on the Hard Financing of Small and Medium-sized Enterprises[J];Journal of Anhui Agricultural University;2003-03
5 ZHUANG Hu-die(Anhui Vocational College of Industry and Business,Hefei,230041,Anhui);Discussion of Privately Operated Mid-and Small-Scale EnterpriseFinancing Question[J];Journal of Anhui Agricultural University(Social Science Edition);2007-04
6 JIANG Man-lin,WANG Mao-rong(School of Economics,AHUT,Ma'anshan 243002,Anhui,China);An Economic Analysis of the Governance Structure of our Private-owned Banks[J];Journal of Anhui University of Technology(Social Sciences);2007-01
7 PAN Jin yun (Dept. of Politics ,Law and Economy,Anqing Teachers College,Anqing 246011,China);Developmental Environment of Medium and Small Enterprises in Our Country after Entrance of WTO[J];Journal of Anqing Teachers College(Social Science Edition);2002-02
8 LIU Fei(Zhongnan University of Economics and Law,Wuhan 430073,Hubei,China);Thought of Repartee the Bank Credit Risk of Small and Medium Enterprises and the Control Measures[J];Science & Technology of Baotou Steel(Group) Corporation;2009-02
9 CHEN Liu-qin, SUN Jian-ping ( Tianjin Academy of Social Sociences, Tianjin 300191, China; College of Economics, Nankai University, Tianjin 300071, China );Institutional Innovation: the Critical Way to Development and Perfection of Credit Guarantee Systems for SMEs[J];Journal of Beijing Polytechnic University Social Sciences Edition;2004-02
10 Wang Dianbin (Receipt and Payment Center Hulan District National Treasury, Harbin Heilongjiang 150500, China);Medium Small Financial Institution with Medium Small Business Enterprise Financing Problem[J];Journal of Beijing University of Chemical Technology(Social Sciences Edition);2006-04
【Secondary Citations】
Chinese Journal Full-text Database 10 Hits
1 Zhang Jie;Financial Difficulties and Financing Sequences of Private Economy[J];ECONOMIC RESEARCH JOURNAL;2000-04
2 Justin Yifu Lin & Yongjun Li;Promoting the Growth of Medium and Small-sized Enterprises through the Development of Medium and Small-sized Financial Institutions[J];Economic Research Journal;2001-01
3 Lee Zhiyun (China Center Economic Research, Peking University);Banking Structure and the Small-Medium-Sized Enterprise Financing[J];Economic Research Journal;2002-06
4 Guo Bin & Liu Manlu (The School of Management,Zhejiang University);Private Finance and Small & Medium-Sized Enterprises Development: Empirical Evidence from Wenzhou Region[J];Economic Research Journal;2002-10
5 Peng Jiangpo;The Credit Guarantee System of Medium-and-small Enterprises Based on Mutual Guarantee[J];Journal of Financial Research;2008-02
6 Lu Dan Xiao Huarong;A Study of Banking Market Structure,Information Production and SME Financing[J];Journal of Financial Research;2008-05
7 CHEN Xiang-feng, SHI Dai-lun, ZHU Dao-li School of Management, Fudan University, Shanghai 200433, China;Finance, Transportation and Warehouse: Innovative Service Integrating Logistics and Finance[J];Science & Technology Review;2005-09
8 YANG Shao-hui(School of Management,Fudan University,Shanghai 200433,China);Research on Supply Chain Financing Service[J];Logistics Technology;2005-10
9 FENG Geng-zhong(School of Management,Xi'an Jiaotong University,Xi'an 710049,China);Analysis of Logistics Financing Business Innovation in China[J];Forecasting;2007-01
10 Luo qi,Zhu Daoli,Chen Boming;A Third-party Logistics Service Innovation:Financing Warehouse and Its Operation Model[J];China Business and Market;2002-02
©2006 Tsinghua Tongfang Knowledge Network Technology Co., Ltd.(Beijing)(TTKN) All rights reserved