P2P 金融下的中小企业融资互联网金融外文文献翻译最新译文Word格式.docx

P2P 金融下的中小企业融资互联网金融外文文献翻译最新译文Word格式.docx

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原文

Abstract



Thesmallandmedium-sizedenterprisefinancingunderP2PfinanceWaitzM

Smallandmedium-sizedenterprisefinancingdifficultisworldwidedifficultproblem.ArticleintroducestheconceptoftheInternetfinancial,mainlysummarizedtheP2Pfinancialinthedevelopmentoffinancialinnovationandintegrationofscienceandtechnology,acombinationofacademicresearchonP2Pfinancialnowofthefivedirectionsofvariousviewsandopinions.PointsoutthecurrentP2Pfinancialproblemsinthedevelopmentofriskcontrol,andanalysesthetrendoftheInternetfinancial.

Keywords:

P2Pfinancial;

Financialinnovation;

Riskcontrol1Introduction

Lookfromthehistoryofenterprisedevelopment,alargeenterpriseoriginatefromsmallandmedium-sizedenterprises.Smallandmedium-sizedenterprises（smes）isthemostdynamicpartofthenationaleconomy,oftenwalkintheforefrontoftechnologydevelopment,inthehigh-techindustry,cleanenergy,greeneconomy,etc,havegoodperformance,playanimportantroleintheeconomictransformation.Smallandmedium-sizedenterprisefinancingdifficultisworldwidedifficultproblem.Thesesmallandmedium-sizedenterprisefinancingenvironmentandnarrowchannels,morethan60%areunabletogetabankloan.Atpresent,scienceandtechnologyenterprisesandthecharacteristicsoflightassets,financingdifficulties,becomeahugebottleneckofsustainabledevelopment.

2TheconceptoftheInternetfinancial

Inthepasttwoyears,theInternetfinancialshowexplosivegrowth,since2014,theInternetfinancialsectorperformancestrength.Currenteconomicfieldexists thephenomenonoftwospecialcontradiction,oneisthesmallandmedium-sized

enterprisesinthetotalnumberofenterprisesaccountedforalarge,buttheuniversalproblemsoffinancingdifficulties;

Second,folkidlecapital,butinadditiontothestockmarketandhousingmarket,itisdifficulttoinvestinotherareas. AndonthebasisoftheInternet,cloudcomputing,bigdataandhighlyfitmarketleadsthedevelopmentoftheInternetfinancial,tosolvethesetwoproblems,betterservetherealeconomy,especiallysmallandmedium-sizedenterprisedevelopmenttocreateagoodfinancialenvironment,butalsoforChina'

sovertakingplayanimportantroleintheimplementationofinternationalcompetitioncorners.

Internetfinancialbesidesmasterclient,alsofacilitatecompletestheupstreamsuppliers,downstreamcapitaluseparty,theintegrationofpointandpoint,combiningwith the characteristicsof the Internet（P2P）and thenature of financial（capital）.BasedonthedevelopmentoftheInternetfinancial,financialsupplyabilityisimproved,inclusivetostrengthen,canmobilizemorefinancialresources,broader,morecoverage,moredecentralized,morediversifiedneeds.

TheInternetthemostnarrowfinancialconceptisP2P（Peer-to-PeerLend-ing）financialplatform,thecoreoftheP2Pmodelis:

onthewebsitehasaqualificationplatform,theborrowercreditinformation,andprovidetheloanprojectspecificsituation,theborrower'

sintegrityandeconomicstrengthandotherrelatedinformation;

Investorsaccordingtotheplatformtoprovideinformation,makedecisions,andfinallymadeadecisionoftomakeloanstoborrowers.P2Pfinanceisanewkindoffinancialmodel,throughtheInternetandlargedata,maketominimizetheasymmetricinformation,thisnewfinancingchannels,forindividualsandbusinesses

toprovidegreatconvenience,isabeneficialsupplementoftheexistingbankingsystem.Peer-to-peer（P2P）hadagreatinfluenceonfinancialbusinessinChina.Traditionalbankingbusinessmodel,mainlyisthesavingsandloanbusiness,P2Pentirelynewbusinessmodels,deconstructsthetraditionalbankingbusinessmodel,breakingthemonopolyofstate-ownedBanks,toacertainextent,intheformoffragmentationaddedtothedrawbackofthemarket.

P2Pfinancialinnovationofscienceandtechnologyandfinancialintegrationdevelopment,thereleaseofthescienceandtechnologysystemreformandthedouble

dividendoffinancialreform,tointroducemorefinancialproductstoservethescientificandtechnologicalinnovation,supportthedevelopmentofscienceandtechnologyenterprises,solvetocreatelightassetsofsmallandmid-sizedenterprisemultidimensionalfinancingdifficulties;

Alsoishelpfulforfinancialinnovation,findnewinvestmentdirection,inordertoobtainahigherreturnoninvestment.

In2005,theworld'

sfirstP2PZopa,afinancialcompany（ZoneofPossi-bleAgreement）wasfoundedinLondon.In2006,theUnitedStates,thefirstaP2PfinancialcompanyProsperfoundedinCalifornia.In2007,ourcountrythefirstP2Pfinancecompanyestab