中小企业供应链金融案例研究

发布时间：2018-10-11 11:24

【摘要】：中小企业是国民经济的重要组成部分，在国民经济中发挥着越来越重要的作用，包括扩大就业、活跃市场、稳定社会和调整国民经济结构布局等方面。但是融资难问题一直成为制约其发展的重要因素，传统的融资模式已经无法解决中小企业面临的融资困境，商业银行只能通过业务创新来发展这部分市场，而供应链金融就是诸多创新融资模式的一种，一定程度上解决了其融资难的问题。供应链金融作为一种新型的融资模式，它把供应链上的相关企业作为一个整体，设定融资方案以交易中构成的链条关系和行业特点为依据，由供应链上的相关企业共同分担融资风险。供应链金融融资模式的创新主要体现在强调资金流在整个供应链的地位，而不仅仅包括传统的物流和信息流。在这一模式下，商业银行借助了与中小企业有贸易关系的大企业的信用，并依靠第三方物流等企业发挥作用，共同分担了对中小企业融资的风险，扩大对中小企业的融资规模，契合了中小企业资金需求的特点，将中小企业、银行、物流企业三者的创新巧妙结合起来。本文的研究一共分为六个部分。总体上本文分为理论和实证两个模块，理论部分重点阐释了供应链金融理论的发展和现状及其主要内容，实证部分主要分析中信银行唐山分行的供应链金融的运用和业务拓展，并结合具体的典型案例进行分析。具体内容如下：第一部分是绪论。这一部分简要介绍了本文的研究背景和意义，明确了研究的问题，突出了本文的研究方法和研究思路。第二部分主要对中小企业融资的现状和问题进行研究，并提出问题，表明研究目的，并详细分析中小企业融资难的原因。第三部分阐释供应链金融理论的发展、现状及其主要内容。第四部分主要根据中信银行唐山分行的供应链金融的运用，并结合具体的典型案例进行分析，总结分析了供应链金融的在解决中小企业融资方面的积极作用。第五部分主要是对供应链金融在解决中小企业融资问题中存在的问题提出建议，从银行和中小企业两个主体的角度进行分析。第六部分为结论，对全篇论文进行总结。通过全文的分析，得出了供应链金融是解决中小企业融资困难问题的最佳途径的结论。供应链金融不仅在融资方式、融资途径上做出了较大创新，，更是大大降低了中小企业的融资成本，实现了信息和资源的共享，对促进解决中小企业融资困境、促进中小企业的发展以及整个供应链链条上各方的发展都做出了巨大贡献。
[Abstract]:As an important part of the national economy, small and medium-sized enterprises play an increasingly important role in the national economy, including expanding employment, activating the market, stabilizing the society and adjusting the structural layout of the national economy. However, the problem of financing difficulties has been an important factor restricting the development of SMEs. The traditional financing model can no longer solve the financing difficulties faced by SMEs. Commercial banks can only develop this part of the market through business innovation. Supply chain finance is one of many innovative financing modes, which solves the problem of financing difficulty to some extent. Supply chain finance, as a new financing mode, takes the related enterprises in the supply chain as a whole, and establishes the financing scheme based on the chain relationship and industry characteristics formed in the transaction. Financing risk is shared by related enterprises in the supply chain. The innovation of financial financing mode of supply chain mainly embodies in emphasizing the position of capital flow in the whole supply chain, not including the traditional logistics and information flow. Under this model, commercial banks have used the credit of large enterprises with trade relationship with small and medium-sized enterprises, and relying on the third party logistics and other enterprises to play a role in sharing the risk of financing small and medium-sized enterprises, and expand the financing scale of small and medium-sized enterprises. In line with the characteristics of the capital demand of SMEs, the innovation of SMEs, banks and logistics enterprises is skillfully combined. This paper is divided into six parts. In general, this paper is divided into theoretical and empirical modules. The theoretical part focuses on the development and current situation of supply chain finance theory and its main content. The empirical part mainly analyzes the application and business expansion of supply chain finance in Tangshan Branch of CITIC Bank. And combined with specific typical cases to analyze. The specific contents are as follows: the first part is the introduction. This part briefly introduces the research background and significance, clarifies the research problems, and highlights the research methods and research ideas. In the second part, the present situation and problems of SME financing are studied, and the problems are put forward to show the purpose of the research, and the reasons for the difficulty of SME financing are analyzed in detail. The third part explains the development, current situation and main content of supply chain finance theory. The fourth part is mainly based on the application of supply chain finance in Tangshan Branch of CITIC Bank, and analyzes the positive role of supply chain finance in solving the financing of small and medium-sized enterprises. In the fifth part, the author puts forward some suggestions on how to solve the financing problems of small and medium-sized enterprises in supply chain finance, and analyzes them from the perspective of banks and small and medium-sized enterprises. The sixth part is the conclusion, carries on the summary to the entire thesis. Through the analysis of this paper, the conclusion that supply chain finance is the best way to solve the financing difficulties of small and medium-sized enterprises. Supply chain finance has not only made great innovation in financing methods and ways, but also greatly reduced the financing cost of small and medium-sized enterprises, realized the sharing of information and resources, and promoted the solution to the financing dilemma of small and medium-sized enterprises. To promote the development of small and medium-sized enterprises and the development of all parties in the supply chain have made great contributions.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F832.4

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