存货质押融资模式下中小企业信用风险评价研究

发布时间：2018-05-03 09:43

本文选题：存货质押 + 供应链　；参考：《贵州财经大学》2014年硕士论文

【摘要】：伴随着经济信息化和全球化进程的加快，使得物流与供应链金融服务出现了很多种创新形式，如货权质押进口全程货权质押等。存货作为物流基本特点，具有灵活性。国内外都将存货质押作为物流和供应链金融创新的核心形式。本论文将探讨大物流时代通过合理调配供应链外部资源，利用其整体性优势，多层面的拓展存货质押业务范围，力求早日解决中小企业资金难问题，，科学的实现利益最大主要研究内容包括：1、对供应链存货质押模式的基本性研究。利用存货质押理论结合模型解决中小企业融资问题。2、构建信用风险指标评价体系。本文利用传统的风险指标评价方法作为基础理论，在此基础上运用层次分析法对中小企业进行风险评估，通过对中小企业各方面的能力配合权重的计算，能够作为企业信用风险的评估参考。3、实证分析。实证研究如何对目前我国企业所面临的融资困境进行一定程度的探究，结合实证分析，验证实践成果的有效性。供应链金融需要把相关企业产业当做一个整体，从而来实现融资的服务。使得中小企业在供应链上获得支持，中小企业无担保无抵押的状况也得到了缓解。中小企业可以根据自身情况选择适合自身状况和发展的融资方式。近些年，我国商业银行和金融机构努力为中小企业贷款提供支撑服务，但中小企业贷款难题仍然没有得到有效解决，从整体上看，现行措施的实施未能从根本上解决问题。这个研究不仅具有理论意义具有现实意义。
[Abstract]:With the acceleration of economic informatization and globalization, there are many innovative forms of logistics and supply chain financial services, such as goods right pledge, import right pledge and so on. As a basic characteristic of logistics, inventory has flexibility. Inventory pledge is regarded as the core form of logistics and supply chain financial innovation at home and abroad. In this paper, we will discuss how to expand the scope of inventory pledge business in the era of large logistics by reasonably allocating external resources of supply chain, utilizing its holistic advantage, and making every effort to solve the problem of small and medium-sized enterprises' capital difficulty as soon as possible. The most important research contents of scientific realization interest include: 1, the basic research on inventory pledge mode of supply chain. Using inventory pledge theory combined with model to solve the financing problem of small and medium-sized enterprises (SMEs), the credit risk index evaluation system is constructed. In this paper, the traditional risk index evaluation method is used as the basic theory, and on this basis, the AHP is used to evaluate the risk of small and medium-sized enterprises, and through the calculation of the capacity matching weight of each aspect of small and medium-sized enterprises, Can be used as corporate credit risk assessment reference. 3, empirical analysis. The empirical study on the financing difficulties faced by Chinese enterprises to a certain extent, combined with empirical analysis, to verify the effectiveness of practical results. The supply chain finance needs to regard the related enterprise industry as a whole to realize the financing service. So that SMEs in the supply chain support, SMEs unsecured and unsecured situation has been alleviated. Small and medium-sized enterprises can choose the financing mode suitable for their own condition and development according to their own situation. In recent years, China's commercial banks and financial institutions have tried to provide support services for SME loans, but the SME loan problem has not been effectively resolved. On the whole, the implementation of existing measures has not fundamentally solved the problem. This study has not only theoretical significance but also practical significance.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

【参考文献】