中国供应链金融的发展研究
发布时间：2018-08-19 17:48
【摘要】：进入21世纪之后，随着企业对资金的需求量加大，原有的贷款方式已经不能适应资金的需求，而银行也需要新的利润增长点，在面对着国际竞争的加剧，无论企业还是银行，都对供应链融资有着强烈的渴望。位于供应链中的中小企业普遍面临着融资难的困境，造成这种现象的原因有两方面：一方面，供应链的结构特点导致了中小企业的自身资本与核心企业相差较远，中小企业在供应链中并不占优势，另外当面临的上下游企业的需求很大时，通常会造成现金流不足的困境。另一方面，大部分中小企业的信用状况不佳，又没有足够的固定资产进行抵押担保，使得银行等金融机构惜贷现象严重，提供融资服务需要的门槛较高，条件苛刻。中国加入WTO以后，在逐步开放的过程中，国际性大银行逐渐进入中国市场，给本土银行带来了很大的压力，由于国家政策和市场形势的变化，银行的原有业务收入大幅下降，中小企业融资是一个还有很大发展空间的市场各家银行之间对中小企业贷款的竞争日益升温，供应链融资作为一项新的业务，，逐步的成为银行新的攻坚方向。 供应链金融是专门针对中小企业融资难而产生的一种金融创新模式，它主要利用了供应链中核心企业与配套企业的合作关系，是基于核心企业的信用担保，分析配套企业是否能够通过经济运营获得足够的未来现金流来保证还款的进行，与物流企业进行合作，灵活的使用存货、应收账款等动产作为担保，为供应链上下游企业提供的创新型金融产品和服务。我国在开展供应链金融之后取得了一定的成果，但是更暴露出了很多问题。法律法规的不完善，不规范的行业竞争，淡薄的供应链管理意识，在运作过程中的信用风险、操作风险，以及中国滞后的金融技术发展，产生了供应链融资业务的风险不可控，操作繁琐，效率不高等不利影响。针对这些问题，我们要对相关法律体系进行完善，建立有效的风险评级系统，优化融资业务流程，并加大在电子化等金融技术方面的投入，使供应链金融走向合理化、程式化、高效化，更好地为中小企业融资进行服务，为我国的经济发展注入活力。
[Abstract]:After entering the 21st century, with the increasing demand for funds by enterprises, the original loan methods can no longer adapt to the demand for funds, and banks also need new profit growth points. In the face of the intensified international competition, no matter enterprises or banks, Both have a strong desire for supply chain financing. The small and medium-sized enterprises in the supply chain generally face the difficulty of financing. There are two reasons for this phenomenon: on the one hand, the structural characteristics of the supply chain lead to the difference between the capital of the small and medium-sized enterprises and the core enterprises. SMEs are not dominant in the supply chain. In addition, when the demand of upstream and downstream enterprises is very large, it usually leads to the plight of insufficient cash flow. On the other hand, the credit condition of most small and medium-sized enterprises is not good, and there is not enough fixed assets to carry on the mortgage guarantee, which makes the banks and other financial institutions reluctant to lend seriously, the threshold of providing financing services is higher and the conditions are harsh. After China's entry into the WTO, during the process of gradual opening up, the international big banks gradually entered the Chinese market, which brought great pressure to the local banks. As a result of the change of the state policy and the market situation, the original business income of the banks dropped dramatically. SME financing is a market with great room for development. The competition between banks for SME loans is increasing day by day. As a new business, supply chain financing has gradually become a new direction for banks to attack. Supply chain finance is a kind of financial innovation mode which is specially aimed at the difficulty of financing for small and medium-sized enterprises. It mainly utilizes the cooperative relationship between core enterprises and supporting enterprises in the supply chain and is based on the credit guarantee of core enterprises. Analysis of whether supporting enterprises can obtain sufficient future cash flow through economic operation to ensure repayment, cooperate with logistics enterprises, use inventory, accounts receivable and other movable assets as security, Innovative financial products and services for upstream and downstream enterprises in the supply chain. After developing supply chain finance, our country has made some achievements, but has exposed many problems. The imperfect laws and regulations, the irregular competition in the industry, the weak sense of supply chain management, the credit risk, the operational risk in the operation process, and the lagged development of financial technology in China have resulted in the uncontrollable risk of the supply chain financing business. Cumbersome operation, low efficiency and other adverse effects. To solve these problems, we should perfect the relevant legal system, establish an effective risk rating system, optimize the financing business process, and increase the investment in financial technology such as electronization, so that the supply chain finance can be rationalized and formulated. High-efficiency, better financing for small and medium-sized services, for the economic development of our country injected vitality.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.1
本文编号：2192372
[Abstract]:After entering the 21st century, with the increasing demand for funds by enterprises, the original loan methods can no longer adapt to the demand for funds, and banks also need new profit growth points. In the face of the intensified international competition, no matter enterprises or banks, Both have a strong desire for supply chain financing. The small and medium-sized enterprises in the supply chain generally face the difficulty of financing. There are two reasons for this phenomenon: on the one hand, the structural characteristics of the supply chain lead to the difference between the capital of the small and medium-sized enterprises and the core enterprises. SMEs are not dominant in the supply chain. In addition, when the demand of upstream and downstream enterprises is very large, it usually leads to the plight of insufficient cash flow. On the other hand, the credit condition of most small and medium-sized enterprises is not good, and there is not enough fixed assets to carry on the mortgage guarantee, which makes the banks and other financial institutions reluctant to lend seriously, the threshold of providing financing services is higher and the conditions are harsh. After China's entry into the WTO, during the process of gradual opening up, the international big banks gradually entered the Chinese market, which brought great pressure to the local banks. As a result of the change of the state policy and the market situation, the original business income of the banks dropped dramatically. SME financing is a market with great room for development. The competition between banks for SME loans is increasing day by day. As a new business, supply chain financing has gradually become a new direction for banks to attack. Supply chain finance is a kind of financial innovation mode which is specially aimed at the difficulty of financing for small and medium-sized enterprises. It mainly utilizes the cooperative relationship between core enterprises and supporting enterprises in the supply chain and is based on the credit guarantee of core enterprises. Analysis of whether supporting enterprises can obtain sufficient future cash flow through economic operation to ensure repayment, cooperate with logistics enterprises, use inventory, accounts receivable and other movable assets as security, Innovative financial products and services for upstream and downstream enterprises in the supply chain. After developing supply chain finance, our country has made some achievements, but has exposed many problems. The imperfect laws and regulations, the irregular competition in the industry, the weak sense of supply chain management, the credit risk, the operational risk in the operation process, and the lagged development of financial technology in China have resulted in the uncontrollable risk of the supply chain financing business. Cumbersome operation, low efficiency and other adverse effects. To solve these problems, we should perfect the relevant legal system, establish an effective risk rating system, optimize the financing business process, and increase the investment in financial technology such as electronization, so that the supply chain finance can be rationalized and formulated. High-efficiency, better financing for small and medium-sized services, for the economic development of our country injected vitality.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.1
【共引文献】
相关期刊论文 前1条
1 周耀烈;疏礼兵;;合作伙伴关系对供应链总体绩效的影响研究[J];珞珈管理评论;2008年02期
相关硕士学位论文 前1条
1 张伟;突发事件损失下的汽车供应链冗余保持[D];太原理工大学;2013年
本文编号：2192372
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