互联网技术、互联网金融与中小企业贷款技术创新——以阿里小贷为例  

Internet Technologies, Internet Finance and Lending Technology Innovation for SMEs

作　　者：赵洪江[1] 陈林[1] 全理科 

机构地区：[1]电子科技大学,成都611731

出　　处：《电子科技大学学报（社科版）》2015年第1期39-44,共6页Journal of University of Electronic Science and Technology of China(Social Sciences Edition)

基　　金：四川省社会科学规划基金(SC13JR01);成都市科技局项目(13RKYB100ZF-041)

摘　　要：在Berger&Udell模型框架内,从信息环境角度,研究了互联网技术对金融机构信息环境的影响及对中小企业贷款技术创新的途径与机制。具体观点是:互联网技术改变了金融机构的信息环境,信息环境的改善导致中小企业贷款技术创新。本文创新在于:(1)通过互联网技术对信息环境及贷款技术影响的分析,发展了Berger&Udell模型;(2)对我国阿里小贷模式从信息环境及贷款技术创新角度进行了理论分析。In Berger Udell framework, from the perspective of information environment, this paper studies the mechanism of how Internet technologies affect financial institution＇s information environment and how information environment affects lending technologies for SMEs. We argue that because the Internet has changed the financial institution＇s information environment, a new lending technology is created which in turn facilitates the financing of SMEs. In this kind of sense, Internet finance is not only the result of an application of internet technologies in finance industry, but also a kind of economic phenomenon which causes economic mechanic changes. The innovation of this paper lies in：（1） by introducing the Internet factor, we develop the Berger Udell model;（2） we give a theoretical analysis for Ali small credit loan case which is famous in China.

关 键 词：Berger&Udell模型 阿里小贷模式 互联网技术 互联网金融 贷款技术 

分 类 号：F224.0[经济管理—国民经济]