商业保理解决小微企业融资难问题的研究

发布时间：2018-04-29 22:00

本文选题：小微企业 + 商业保理　；参考：《首都经济贸易大学》2014年硕士论文

【摘要】：目前在我国的市场上,小微企业融资难是个亟待解决的问题。虽然国家采取了多项措施加强了对小微企业的扶持,但是小微企业在对外融资时仍然面临诸如抵押品不足、信息不对称、以及成本过高等问题。采用商业保理业务,扶持商业保理公司的发展,能够成为解决这一问题的有效办法之一。与传统的银行保理相比,商业保理更具专业化、时效性,对作为卖方的小微企业自身资质要求并不高,是与小微企业相适应的一种融资方式。目前,保理行业整体的发展势头十分良好,全球保理业务总额逐年上升,我国已连续多年成为世界第一保理大国。虽然发展迅猛,但我国的商业保理仍存在一些缺陷：我国社会对商业保理的定性并不稳固；缺乏社会信用体系和信用风险评估技术的支持；缺乏专业的保理人员；在法律、税务方面也存在尚不明晰的地方。本文通过对国外和国内保理案例的分析,总结了国外保理业务发展的先进之处,也指出了我国商业保理公司操作过程中显现出的问题。针对我国商业保理行业存在的问题,本文在最后提出了四点改进建议：首先,应加强法律制度和规章建设,争取尽快出台商业保理行业的统一政策；其次,对于社会信用体系和信用风险评估技术的建设也亟需加强；另外,可以运用供应链金融发展保理业务,大力推动供应链保理来解决小微企业融资难的问题；最后,应加强对保理专业人才的培养,提高保理从业人员的业务能力和综合素质。解决商业保理目前存在的问题,促进商业保理行业的发展,能够有效缓解小微企业融资难的问题,最终带动我国实体经济的发展。
[Abstract]:At present, in the market of our country, the financing difficulty of small and micro enterprises is an urgent problem to be solved. Although the state has taken a number of measures to strengthen the support for small and micro enterprises, they still face problems such as insufficient collateral, asymmetric information, and high cost in external financing. Adopting commercial factoring business and supporting the development of commercial factoring companies can be one of the effective ways to solve this problem. Compared with the traditional bank factoring, commercial factoring is more specialized and time-efficient, and it is a suitable financing method for the small and micro enterprises. At present, the overall development of factoring industry is very good, the total amount of global factoring business is rising year by year, China has become the first factoring country in the world for many years. Despite the rapid development of business factoring in our country, there are still some shortcomings: the characterization of commercial factoring in our society is not stable; the lack of social credit system and credit risk assessment technology support; the lack of professional factoring personnel; in the law, There is also a lack of clarity in tax matters. Based on the analysis of foreign and domestic factoring cases, this paper summarizes the development of factoring business abroad, and points out the problems in the operation of commercial factoring companies in China. In view of the problems existing in the commercial factoring industry in China, this paper puts forward four suggestions for improvement: first, we should strengthen the legal system and regulations construction, and strive to issue the unified policy of the commercial factoring industry as soon as possible; secondly, The construction of social credit system and credit risk assessment technology also needs to be strengthened. In addition, supply chain finance can be used to develop factoring business to promote supply chain factoring to solve the financing difficulties of small and micro enterprises. We should strengthen the cultivation of factoring professionals and improve the professional ability and comprehensive quality of factoring professionals. To solve the existing problems of commercial factoring and promote the development of commercial factoring industry can effectively alleviate the financing difficulties of small and micro enterprises and ultimately promote the development of real economy in China.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F275

【引证文献】