원문정보
The Research on the Application of Shared Finance in Small and Medium Sized Enterprises
초록
영어
Shared finance embodies the concept of sharing, which is different from traditional finance where the three parties of supply, demand, and intermediary participate in transactions. Instead, it is disintermediated, where the supply and demand sides of funds directly engage in matching transactions and share social resources equally and with compensation. On the basis of defining the connotation of shared finance, this article aims to solve the operational difficulties of small and medium-sized enterprises, and combines with the structural reform of the financial supply side to analyze the development mode of shared finance for small and medium-sized enterprises, and proposes the path for the development of shared finance.
한국어
공유금융은 기존의 전통적 금융과는 달리 공급, 수요, 중개업자가 거래에 참여하는 다른 공유의 개념을 담고 있다. 그 대신 자금의 수급측이 직접 매칭 거래를 하고 사회적 자원을 동등하게 공유 하며 보상하는 탈중개적(disintermediate) 형태라고 할 수 있다. 본 연구는 공유금융이 내포하고 있는 정의를 바탕으로 중소기업의 경영상 애로사항을 해결하고, 금융 공급측의 구조개혁과 결합하 여 중소기업을 위한 공유금융의 개발 현상을 분석하였다. 그리고 적정한 공유금융 적용가능한 규모 의 기업을 발굴하고, 공유금융 발전의 방향을 제시하였다.
목차
Abstract
Ⅰ. The Significance of Developing Shared Finance
Ⅱ. The Research Process of Shared Finance
2.1 Early Sharing Economy Theory
2.2 Sharing Economy Under the Progress of Information Technology
Ⅲ. Assumption of the Development Model of Shared Finance
3.1 The Main Participants in Shared Finance
3.2 The Operating Mode of Shared Finance
Ⅳ. Current Situation of Small and Medium-sized Enterprise Operation
4.1 Small and Medium-Sized Enterprises Have Fewer Tangible Assets That Can be Mortgaged
4.2 The Financial System of Small and Medium-Sized Enterprises is Not Sound
4.3 Imperfect External Environment of the Enterprise
Ⅴ. The Development Path Selection of Shared Finance
5.1 Choose Multiple Shared Financial Operation Modes in Parallel
5.2 Clarify the Operating Rules of the Shared Financial Platform
5.3 To Improve the Internal and External Regulatory Mechanisms, One is to Supervise Before and During the Process of Doing Good Deeds.
5.4 Transparent Cash Flow Transactions, No Matter How Much Capital Flows, are Impossible
5.5 Improve the External Financial Environment
참고문헌