目录
摘 要 4
ABSTRACT 5
引言
1.1研究背景及意义 6
1.1.1研究背景 6
1.1.2研究意义 6
1.2研究内容 7
第二章 文献综述 8
2.1国外研究现状； 8
2.2国内研究现状 9
2.3研究内容 11
第三章 相关概念及理论基础 11
3.1相关概念 11
3.1.1金融科技 11
3.1.2小微企业融资 12
3.2理论基础 12
3.2.1金融深化理论 12
3.2.2利率市场化理论 13
第四章 研究设计及数据来源 14
4.1数据来源及说明 14
4.2变量的选取 14
4.2.1金融科技指数 14
4.2.2融资环境指标 14
4.2.3小微企业信贷规模 14
4.3研究方法 15
4.4描述性分析 15
第五章 实证检验和分析 15
5.1平稳性检验(ADF检验) 15
5.2 Johansen协整检验 16
5.3建立VECM模型； 17
第六章 结论与建议 19
6.1结论 19
6.2建议 20
6.2.1 对金融科技发展的建议 20
6.2.2对小微企业发展的建议 20
6.2.3 建议在支付管理方式进行创新 21
参考文献 22
致 谢 24
金融科技对小微企业融资的影响研究
摘 要
金融科技近几年正在我国经历着飞速的发展，并不断优化和升级其服务，大量新兴金融产物如区块链、股权众筹、融资担保、融资租赁等不断涌现出来。而小微企业融资难在我国早已成为常态，金融科技的飞速发展正对小微企业融资问题的解决办法做好铺垫，其中通过金融科技公司进行的在线借贷是金融市场中一个迅速扩张的部分，它受到投资者的广泛关注和监管机构越来越多的审查。为了评估 *51今日免费论文网|www.51jrft.com +Q: *351916072* 
金融科技公司的进入是如何改变向其借款的小企业的选择和结果，本文通过分析各方数据，建立VECM模型，发现金融科技贷款机构通过接触不太可能被传统贷款机构服务的借款人，大大扩展了小企业融资市场；使用金融科技贷款机构的企业一般比中国的平均中小型企业更年轻、更小，而且申请的贷款金额也较小，与接受银行贷款的企业相比，接受金融科技贷款的企业预计会有更多的收入和就业增长，但这样的企业也会更加重视金融科技贷款的选择，在有限的投资内走出最适合自己的道路。
A Study on the Impact of Fintech on Financing of Micro and Small Enterprises
ABSTRACT
Fintech is experiencing rapid development in China in recent years and continues to optimize and upgrade its services, with a large number of emerging financial products such as blockchain,, equity crowdfunding, financial guarantee, financial leasing, etc. emerging. The rapid development of fintech is paving the way for solutions to the financing problems of micro and small enterprises, of which online lending through fintech companies is a rapidly expanding segment of the financial market that is receiving widespread attention from investors and increasing scrutiny from regulators. To assess how the entry of fintech companies has changed the choices and outcomes of the small businesses that borrow from them, this paper analyzes data from various parties to develop a VECM model and finds that fintech lenders have significantly expanded the market for small business financing by reaching borrowers less likely to be served by traditional lenders; businesses that use fintech lenders are generally younger and smaller than the average small and mediumsized business in China and apply for smaller loans. Firms receiving FinTech loans are expected to experience more revenue and employment growth than firms receiving bank loans, but such firms also place greater emphasis on FinTech loan options and get out on the path that best suits them within their limited investment.

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