基于中小企业融资困境下的供应链金融研究

发布时间：2017-12-31 00:37

本文关键词：基于中小企业融资困境下的供应链金融研究　出处：《曲阜师范大学》2012年硕士论文　论文类型：学位论文

【摘要】：中小企业数量众多，在国家经济中占有重要地位。然而,中小企业融资难问题长期困扰中小企业的生存与发展。国内的学者就中小企业融资问题作出了不断的努力，但是中小企业融资难现状未得到有效的改善。在不断努力的过程中，学者们开始注意到中小企业的融资需求主要来源于供应链。中小企业作为供应链中的一份子，要解决其融资难问题必须以供应链整体的角度出发。供应链金融从供应链的整体角度出发，借助核心企业的信用，将供应链内的企业存货等转化为资金，填补供应链内部中小企业的资金缺口。且伴随着国家物流产业规划的布局，物流产业成为中国十大支柱性产业之一，进一步刺激了以专业化、规模化为代表的第三方物流企业发展。随着专业化运营的第三方物流企业深度参与到国民经济生产经营活动中，第三方物流企业为供应链金融的普及提供了基础条件。原本由传统模式无法解决的中小企业融资问题，借助第三方物流企业的参与帮助，开展供应链金融业务，有效的改善中小企业融资难的现状。现实中，供应链金融尚处于我国金融产业的初级探索阶段，其运营模式粗放，管理体系不健全，相关的实务操作成本仍然较高。且与传统的融资模式相比，供应链金融的业务规模仍然较小，部分商业银行仍未有涉足此项业务的计划。供应链金融仍需政府和行业从全局的角度出发，制定出能促进其快速发展的政策和规范。目前，虽然以深圳发展银行为代表的几大银行努力推行此业务，但是在实际运营过程中，仍存在很多问题。比如：第三方物流企业在存货等质押物的监管方面，监管体系不成熟，监管成本较高，缺乏一套系统性的监管体系；供应链作为整体进行融资时，在实务操作时，核心企业参与力度不足，缺乏激励等。基于此，本文借鉴当前国内外研究成果后，做出如下研究。首先，从供应链的角度具体分析了中小企业的资金缺口的来源，并论证了供应链金融对中小企业融资的效用；其次，，借助博弈论的方法就融通仓业务中的几大要素建模分析，在定性分析研究的基础上，又从行业和政府的角度给出了促进中小企业融通仓业务发展的建议；再次，为促进以存货为担保质押物的融通仓降低运作成本和更好的支持中小企业的物资流动，以第三方物流企业为主体，创新性的构建担保质押物资的监管体系；最后，从成本与收益的角度出发，就激励核心企业更好的参与到供应链金融中提出了建议。
[Abstract]:The number of small and medium-sized enterprises is numerous and occupies an important position in the national economy. The financing difficulty of SMEs has long puzzled the survival and development of SMEs. Domestic scholars have made continuous efforts on the financing of SMEs. However, the current situation of SMEs financing difficulties has not been effectively improved. In the process of continuous efforts. Scholars began to notice that the financing demand of SMEs mainly comes from the supply chain. As a part of the supply chain, the financing difficulties of SMEs must be solved from the point of view of the supply chain as a whole. Supply chain finance from the overall perspective of the supply chain, with the help of the credit of the core enterprises, the enterprise inventory in the supply chain into funds. With the layout of national logistics industry planning, logistics industry has become one of the top ten pillar industries in China, which further stimulates specialization. With the professional operation of the third party logistics enterprises deeply involved in the national economy production and management activities. Third-party logistics enterprises provide the basic conditions for the popularization of supply chain finance. The financing problems of small and medium-sized enterprises which can not be solved by the traditional mode can not be solved. With the help of the participation of third party logistics enterprises, the supply chain finance business can be carried out. Effectively improve the current situation of SMEs financing difficulties. In reality, the supply chain finance is still in the primary exploration stage of our financial industry, its operation mode is extensive, the management system is not perfect, the related practical operation cost is still relatively high, and compared with the traditional financing mode. The business scale of supply chain finance is still relatively small, and some commercial banks still have no plan to get involved in this business. Supply chain finance still needs the government and industry to proceed from the overall perspective. To formulate policies and norms to promote its rapid development. At present, although the Shenzhen Development Bank as a representative of the efforts of several banks to promote this business, but in the actual operation process. There are still many problems, such as: third party logistics enterprises in the inventory and other collateral supervision, regulatory system is immature, high regulatory costs, lack of a systematic regulatory system; Supply chain as a whole in financing, in practice, the core enterprise participation is insufficient, lack of incentives, and so on. Based on this, this paper draw lessons from the current domestic and foreign research results, do the following research. First, from the perspective of the supply chain of specific analysis of the source of the financing gap of small and medium-sized enterprises. And demonstrated the utility of supply chain finance to the financing of small and medium-sized enterprises; Secondly, with the help of the game theory method, the modeling and analysis of several elements in the financing warehouse business are made. On the basis of qualitative analysis, the suggestions to promote the development of the financing warehouse business of small and medium-sized enterprises are given from the angle of industry and government. Third, in order to promote inventory as collateral to reduce operating costs and better support the material flow of small and medium-sized enterprises, the third party logistics enterprises as the main body. Innovative construction of guarantee and pledge goods regulatory system; Finally, from the point of view of cost and income, some suggestions are put forward to encourage core enterprises to participate in supply chain finance better.
【学位授予单位】：曲阜师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F252;F276.3;F832

【相似文献】