基于银企联盟供应链的中小企业融资研究

发布时间：2018-03-25 18:39

本文选题：中小企业　切入点：供应链金融　出处：《南京工业大学》2013年硕士论文

【摘要】：我国中小企业发展的速度日益加快，已经成为我国国民经济和社会发展的中坚力量，发挥着不可或缺的作用。但是中小企业获得的资金支持同其为国民经济发展作出的贡献极不相称。融资困难一直是制约我国中小企业发展的因素。供应链服务和金融服务的关系是相辅相成、相互作用的，供应链上下游企业利用金融市场获得资金、创新服务，金融企业也纷纷利用供应链市场的快速发展开拓创新，提供越来越多的衍生品，以增加自身的服务项目，获得更广阔的盈利空间。在异常激烈的市场竞争中，供应链各参与主体为了抢占市场份额、提高收益，不得不对传统的业务模式进行突破，由此产生了供应链金融这种新型融资模式。供应链金融的多赢性质决定了供应链金融业务的广阔前景，但和其他新生事物一样，供应链金融业务在制度和政策环境、多方参与下作业效率的提高以及风险管理等方面还需要不断完善。为了有效解决中小企业的融资问题，本文以供应链金融为研究视角，以中小企业融资理论和供应链金融理论为理论基础，阐述了中小企业供应链金融的研究背景和意义，对相关研究的文献进行系统性的梳理，以文献综述的形式解释了中小企业融资困境的成因和解决对策，以及供应链金融出现的原因，其定义和融资优势。然后，本文就供应链融资存在的业务风险进行了探讨，同时有针对性地提出防范举措，，而供应链金融的本质就是降低风险，因此介绍了供应链金融的三种融资模式，它们是应收账款融资模式、保兑仓融资模式以及融通仓融资模式，同时结合案例做了进一步阐述。接着，本文在传统供应链运作的基础上，提出了一种对供应链金融进行创新后的新模型——银企联盟供应链，其独具一格的特色不仅推动了整条供应链的稳定发展，还促进了供应链参与企业的核心竞争力。为了更好地说明银企联盟供应链的融资优势，本文相应地给出了案例分析。最后对本文的主要结论作出总结，并结合我国经济市场发展现状，提出了对供应链金融前景的展望。
[Abstract]:The speed of the development of small and medium-sized enterprises in China is accelerating day by day and has become the backbone of our national economy and social development. However, the financial support received by SMEs is not commensurate with their contribution to the development of the national economy. Financing difficulties have been the factors restricting the development of SMEs in China. The relationship between the supply chain service and the financial service is complementary and interactive. The upstream and downstream enterprises of the supply chain make use of the financial market to obtain funds and innovate the service. The financial enterprises also use the rapid development of the supply chain market to open up and innovate one after another. To provide more and more derivatives in order to increase their own service items and gain more profit. In the fierce market competition, the participants in the supply chain increase their profits in order to seize market share. We have to break through the traditional business model, which leads to the new financing mode of supply chain finance. The multi-win nature of supply chain finance determines the broad prospect of supply chain finance business, but just like other new things, Supply chain financial business needs to be improved in the aspects of system and policy environment, the improvement of operational efficiency and risk management. In order to solve the financing problem of small and medium-sized enterprises effectively, this paper takes the supply chain finance as the research angle, takes the small and medium-sized enterprise financing theory and the supply chain finance theory as the theoretical foundation, elaborated the small and medium-sized enterprise supply chain finance research background and the significance. This paper systematically combs the relevant research literature, explains the causes and solutions of SMEs' financing difficulties, the reasons for the emergence of supply chain finance, its definition and financing advantages, and then, in the form of literature review, explains the causes and solutions of SMEs' financing difficulties. This paper discusses the business risks existing in supply chain financing, and puts forward some preventive measures. The essence of supply chain finance is to reduce risk, so this paper introduces three financing modes of supply chain finance. They are the accounts receivable financing mode, the confirmed position financing model and the financing mode of the finance warehouse. At the same time, the paper makes a further elaboration on the basis of the case. Then, based on the operation of the traditional supply chain, This paper puts forward a new model of bank and enterprise alliance supply chain after innovating the supply chain finance. Its unique characteristics not only promote the steady development of the whole supply chain. In order to better explain the financing advantage of the supply chain alliance, this paper gives a case study accordingly. Finally, the main conclusions of this paper are summarized. Combined with the present situation of China's economic market, the prospect of supply chain finance is put forward.
【学位授予单位】：南京工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F276.3;F832

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