我国中小企业新型融资模式研究

发布时间：2018-04-06 23:02

本文选题：中小企业融资　切入点：供应链融资　出处：《中国海洋大学》2009年硕士论文

【摘要】： 中小企业是国民经济发展中的重要推动力量,在吸纳社会富余劳动力、推动技术进步方面都起到了举足轻重的作用。然而目前在我国,有超过80%的中小企业由于各种原因面临融资难问题。如何帮助他们尽快走出融资困境,促进他们发展,成为目前我国亟待解决的问题。当前,对于解决中小企业融资难题的研究仍然集中在加快信用担保体系建设、建立面向于中小企业的专门的金融服务机构等方面,根据目前国内金融市场的发展状况,要通过以上途径使中小企业融资难问题得到解决仍需要相当长的一段时间。因此,通过创新发展中小企业融资业务,根据中小企业融资的特点和特殊需求对金融产品进行创新和设计更为合理的融资方案,才是缓解中小企业融资困难切实可行的方法。本文从分析当前我国中小企业在融资过程中的特点及困难成因着手,进而分析了当前主要融资模式在解决中小企业融资问题时的局限性,通过分析指出了这些融资模式在授信方式、融资对象、银企关系三个方面的不足之处。笔者认为,解决中小企业融资困难可以通过在信贷市场上寻找更多融资需求企业的相关合作者或者利益相关者,通过特殊机制的建立,使他们能够来共同分担中小企业融资中的风险。供应链金融即是以上思想的实现,在该种模式下商业银行通过借助与中小企业有产业合作关系的大企业的担保、或者以两者之间的购销合同为担保,来共同分担中小企业贷款风险。论文在第三部分对目前三种主要供应链融资模式的内涵和运作机理作了介绍,并对三种模式进行了比较分析。最后,本文从扩大融资范围,提高融资效率和降低融资风险的角度出发,建立了基于“N+1+N”共赢链理念的新型应收账款融资模式,并通过案例对比分析得出改进后的融资模式在解决中小企业融资困难方面相比当前模式的比较优势。论文以理论研究和案例分析相结合,以此基础上得出结论:在我国目前的经济发展状况下,进一步发展和完善供应链金融服务是解决我国中小企业融资问题的有效途径之一。
[Abstract]:Small and medium-sized enterprises (SMEs) play an important role in the development of national economy and play an important role in absorbing surplus labor force and promoting technological progress.However, in China, more than 80% of SMEs are facing financing problems due to various reasons.How to help them out of the financing dilemma as soon as possible and promote their development has become an urgent problem in our country.At present, the research on solving the financing problems of SMEs is still focused on speeding up the construction of credit guarantee system and establishing specialized financial service institutions for SMEs. According to the current development situation of domestic financial market,It will take a long time to solve the financing problem of SMEs through the above ways.Therefore, developing SME financing business through innovation, innovating financial products and designing more reasonable financing schemes according to the characteristics and special needs of SME financing are the feasible ways to alleviate the financing difficulties of SMEs.This paper begins with the analysis of the characteristics and causes of difficulties in the financing process of SMEs in our country, and then analyzes the limitations of the main financing modes in solving the financing problems of SMEs.Through the analysis, the paper points out the deficiency of these financing modes in three aspects: credit mode, financing object and the relationship between banks and enterprises.In my opinion, to solve the financing difficulties of small and medium-sized enterprises, we can find more partners or stakeholders of enterprises with financing needs in the credit market, through the establishment of special mechanisms.Enable them to share the risks in SME financing.Supply chain finance is the realization of the above ideas. In this mode, commercial banks guarantee by means of large enterprises that have industrial cooperation with small and medium-sized enterprises, or by purchasing and selling contracts between them.To share the risk of small and medium-sized loans.In the third part, the connotation and operation mechanism of the three main supply chain financing modes are introduced, and the three modes are compared and analyzed.Finally, from the angle of enlarging the scope of financing, improving the efficiency of financing and reducing the risk of financing, this paper establishes a new model of accounts receivable financing based on the concept of "N 1N" win-win chain.And through the comparative analysis of cases, the improved financing model in solving the financing difficulties of small and medium-sized enterprises compared with the current model comparative advantage.On the basis of theoretical research and case analysis, this paper draws a conclusion that further development and perfection of supply chain financial services is one of the effective ways to solve the financing problems of SMEs in China.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2009
【分类号】：F275

【引证文献】