外向型中小企业链式融资方式研究

发布时间：2018-03-23 04:34

本文选题：中小企业　切入点：链式融资　出处：《河北工业大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来，国内外贸易环境不断恶化，那些风险承受能力较低的外向型中小企业更容易发生资金链断裂从而破产。资金流是中小企业生存的生命线，传统的贸易融资方式在这种新的国内外环境下已经不能很好的为我国众多的外向型中小企业起到保驾护航的作用。因此，本文就一种新型的融资方式－链式融资进行详细分析，通过与传统贸易融资方式的比较和基于信用风险评价的角度进行实证分析得出目前采用链式融资的必要性。本文首先对目前国内外关于链式融资的发展理论进行了梳理，对相关概念进行了界定。第二部分通过分析外向型中小企业的发展现状指出缺乏资金支持和货物流通是这些企业面临的最大问题，又通过困境分析得出传统的贸易融资手段已经不能适应社会发展，给予不了企业及时的资金融通。而这些制约因素在链式融资上可以很好地解决，并通过详细介绍链式融资具体的运作模式和运用机理以及链式融资与传统贸易融资的比较得出链式融资的优越性。第四部分是从银行角度基于信用风险评价来对链式融资进行实证分析。第五部分是提出链式融资在目前运行过程中存在的问题，并针对相关问题提出对策建议。最后，对文章进行简单总结，对未来进行一下展望。本文属于针对链式融资在理论基础上的应用型研究，采用了一些较新的数据和案例，，希望能够为解决中小企业融资提供一些思路。
[Abstract]:In recent years, the domestic and foreign trade environment is deteriorating, those export-oriented small and medium-sized enterprises with low risk bearing capacity are more likely to break the capital chain and then go bankrupt. Capital flow is the lifeline for the survival of small and medium-sized enterprises. Under this new domestic and international environment, the traditional trade financing method has not been able to protect the large number of export-oriented small and medium-sized enterprises in China. Therefore, this paper makes a detailed analysis of a new type of financing method-chain financing. Through the comparison with the traditional trade financing and the empirical analysis based on the credit risk evaluation, the necessity of using chain financing is obtained. In this paper, firstly, the development theory of chain financing at home and abroad is combed. The second part points out that the lack of financial support and goods circulation are the biggest problems faced by these enterprises through the analysis of the current development situation of export-oriented small and medium-sized enterprises. Through the predicament analysis, we can draw the conclusion that the traditional trade financing means can no longer adapt to the social development, and can not give the enterprise timely financing. And these constraints can be solved very well in the chain financing. And through the detailed introduction of chain financing operation mode and application mechanism, as well as the comparison between chain financing and traditional trade financing, the superiority of chain financing is obtained. The fourth part is based on credit risk evaluation from the perspective of banks. The fifth part is to put forward the problems of chain financing in the current operation process. Finally, briefly summarize the article and prospect the future. This paper is an applied research on chain financing on the basis of theory, and adopts some new data and cases, hoping to provide some ideas for solving the financing of small and medium-sized enterprises.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F275;F752

【参考文献】