基于长尾理论的电商小贷业务发展分析

An Analysis of the Development of China’s E-Commerce Enterprises’ Small Loan Business Based on the Long Tail Theory

摘要: 小额贷款作为一种微型金融模式，解决了众多中小企业的融资难题。随着该项业务的成熟发展，中小企业巨大的资金需求也引起了电商企业的重视，纷纷推出自己的小额贷款业务。本文基于长尾理论对电商小贷业务进行分析，认为此项业务是一种可以改善中小企业融资的创新举措，并指出长尾效应给电商小贷业务的发展带来的影响和良好机遇，提出了电商企业在发展过程中，重视和发展小贷业务将成为其新的经济增长点。

Abstract: Small loan as a kind of microfinance has solved the financing problem of many small and medium-sized enterprises. With the development of this business, the huge capital requirements of the small and medium-sized enterprises also cause E-Commerce Enterprises’ attention; they have launched their own small loan business. In this paper, based on the long tail theory to analyze China’s E-Commerce Enterprises’ small loan business, the authors think this business is an innovation to solve the small and medium-sized enterprises’ financing problem, and point out that the impact of the long tail will bring a good development opportunity to China’s E-Commerce Enterprises which develop the small loan business. It also proposes that in the process of development, to develop the small loan business will become a new economic growth points to China’s E-Commerce Enterprises.