供应链金融在小微企业融资中的应用研究

发布时间：2018-03-02 00:10

本文关键词： 小微企业融资供应链金融三方博弈第三方物流　出处：《西安科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：小微企业在推动经济增长、提高就业率、促进社会稳定、加快城镇化建设等方面有着越来越重要的作用。金融危机以来，受国内原材料成本提高、工资上涨等因素影响，处于生产链条弱势环节的小微企业面临着一系列挑战，资金缺口成为制约小微企业转型和发展的重要因素。如何有效解决小微企业融资问题已成为小微企业本身以及整个国民经济面临的关键问题。一般而言，，供应链金融可以采取应付账款、动产质押和应收账款等多种形式的质押物。供应链金融能够促进供应链上多种资源和要素的有效结合，克服银企信息不对称问题，提高贷款通过率。论文总结梳理了国内外学者关于供应链金融的研究成果；从政策环境、融资方式、融资次序等方面分析了小微企业的融资困境与亟待解决的问题；论述了供应链金融的涵义、构成要素以及国内发展状况，介绍了其供应链金融的国际发展趋势及典型金融产品；从信息不对称角度对小微企业融资困境进行经济学分析，分别构建了传统信贷银、企博弈模型和供应链金融模式下银行、核心企业与小微企业的三方模型；从政府、小微企业、银行等金融机构以及第三方物流企业等角度提出了相关建议。
[Abstract]:Small and micro enterprises play a more and more important role in promoting economic growth, increasing employment rate, promoting social stability, speeding up the construction of urbanization, etc. Since the financial crisis, they have been affected by factors such as rising domestic raw material costs and rising wages. Small and micro enterprises in the weak link of the production chain face a series of challenges. The financing gap has become an important factor restricting the transformation and development of small and micro enterprises, and how to effectively solve the financing problem of small and micro enterprises has become the key problem that small and micro enterprises themselves and the national economy as a whole are facing. Supply chain finance can take various forms of pledge, such as accounts payable, pledge of movable property and accounts receivable. Supply chain finance can promote the effective combination of various resources and elements in the supply chain, and overcome the problem of asymmetric information between banks and enterprises. Improve the pass rate of loans. This paper summarizes and combs the research results of domestic and foreign scholars on supply chain finance, analyzes the financing dilemma and problems of small and micro enterprises from the aspects of policy environment, financing methods and financing order, and discusses the meaning of supply chain finance. This paper introduces the international development trend and typical financial products of supply chain finance, analyzes the financing dilemma of small and micro enterprises from the angle of information asymmetry, and constructs the traditional credit bank respectively. Based on the game model of enterprise and the tripartite model of banks, core enterprises and small and micro enterprises, the paper puts forward some suggestions from the angle of government, small and micro enterprises, banks and other financial institutions as well as third party logistics enterprises.
【学位授予单位】：西安科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F274;F832.4;F276.3

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