供应链金融融资模式探析

发布时间：2018-03-16 19:39

本文选题：供应链金融　切入点：联保融资模式　出处：《河北大学》2013年硕士论文　论文类型：学位论文

【摘要】：供应链金融是专门为解决中小企业融资难问题进行的全新尝试，其核心思想是积极寻求一个资信状况良好的核心企业，并以该企业为中心，为其上下游中小企业提供相应的金融支持，是一种集物流、资金流、信息流为一体的新型融资模式。近年来，以中小企业为主体的特色产业集群在我国蓬勃发展，逐渐形成了一条条稳定的区域性产业链，为供应链金融的开展提供了前提条件，，加之银行业竞争的加剧以及信息技术的发展，供应链金融逐渐发展起来。供应链金融不但为金融机构带来了新的盈利契机，也逐渐凸显了其解决中小企业融资难问题的优势。因此，有必要对供应链金融的融资模式进行系统性研究，以期更好的为中小企业服务。本文建立在前人研究成果的基础上，首先对供应链金融的理论基础进行了梳理，主要包括结构融资理论、供应链管理理论、交易成本理论和委托代理理论。其次，阐述了保兑仓融资模式、融通仓融资模式和应收账款融资模式等传统的供应链金融融资模式。再次，对我国现行的供应链金融融资模式实践进行了简单介绍，它们是对传统的供应链金融融资模式的综合运用，主要包括深圳发展银行的“1+N”模式、华夏银行的“N+1+N”模式、广东发展银行中山分行的“N+1+M”模式。最后，针对我国现行的供应链融资模式存在的问题，提出了构建供应链中核心企业与中小企业联保融资模式，并对该模式的运作机理、构建必要性、约束条件和发展措施进行了详细的阐述，以期弥补传统融资模式的不足，并可以对解决我国的中小企业融资难问题有所帮助。
[Abstract]:Supply chain finance is a new attempt to solve the financing difficulties of small and medium-sized enterprises. Its core idea is to actively seek a core enterprise with good credit status and take the enterprise as the center. Providing the corresponding financial support for the upstream and downstream small and medium-sized enterprises is a new financing mode which integrates logistics, capital flow and information flow. In recent years, the characteristic industrial cluster with small and medium-sized enterprises as the main body has flourished in our country. Gradually formed a stable regional industrial chain, for the development of supply chain finance, coupled with the intensification of banking competition and the development of information technology, Supply chain finance has gradually developed. Supply chain finance has not only brought new profit opportunities to financial institutions, but also gradually highlighted its advantages in solving the financing difficulties of small and medium-sized enterprises. It is necessary to systematically study the financing mode of supply chain finance in order to serve SMEs better. Based on the previous research results, this paper firstly combs the theoretical basis of supply chain finance, including structural financing theory, supply chain management theory, transaction cost theory and principal-agent theory. This paper expounds the traditional supply chain financing models, such as confirmed warehouse financing mode, financing mode of financing warehouse financing and accounts receivable financing mode, etc. Thirdly, the paper briefly introduces the practice of the current supply chain finance financing mode in China. They are the comprehensive application of the traditional supply chain finance mode, including the "1N" model of Shenzhen Development Bank, the "N 1N" model of Huaxia Bank, and the "N 1m" model of Zhongshan Branch of Guangdong Development Bank. In view of the problems existing in the current supply chain financing mode in our country, this paper puts forward the construction of the core enterprises and small and medium-sized enterprises in the supply chain, and puts forward the operation mechanism of the mode and the necessity of the construction. The restrictive conditions and development measures are expounded in detail in order to make up for the deficiency of traditional financing mode and to help solve the financing difficulties of small and medium-sized enterprises in China.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F832.4

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