基于供应链金融的中小企业融资信用风险研究
发布时间：2018-08-24 17:28
【摘要】：现今,中小企业地位越来越突出,已经成为国家经济发展的主要推动力量之一,中小企业融资出现的问题也更加凸显。近些年各种解决中小企业融资问题的办法层出不穷,而供应链金融的融资办法为中小企业融资问题提出了新的解决方案。基于供应链的链条型构造,中小企业不仅能解决融资问题,而且供应链上的其他参与方都不同程度受益,这也是供应链金融融资办法得以发展的本质原因。供应链金融融资模式的快速发展,从整个供应链角度来看，中小融资企业更应该考虑选择何种融资模式，可以更加迅速、低成本地融资。银行等其他金融机构更要考虑在应用供应链金融模式放贷过程中的风险控制,尤其是中小企业的信用风险。 本文首先从供应链金融的定义特点及中小企业融资困境出发,分析供应链金融融资的风险;其次文章主要分析供应链金融融资和中小企业在运用供应链金融融资中出现的风险分析;然后主要介绍中小企业融资中出现的风险成因及信用风险,建立了运用Logistic模型的供应链金融中小企业融资信用风险实证模型,以模型为基础判断银行等金融企业是否对中小企业放贷控制风险，防止银行资金损失应用此模型加强供应链金融的中小企业融资风险控制。经过前文的一系列研究分析,本文的分析结果是:对于中小企业融资困境,运用供应链金融这种融资模式能很好的解决中小企业融资问题。在面对融资困境时，中小企业可以根据自身企业的财务状况来选择不同的供应链金融融资模式，，而银行等其他金融机构可以运用供应链金融模式来扩大自身业务面和放贷规模。银行在评价中小企业融资风险时,信用风险是首先要考虑的,如何才能将信用风险控制到最小化并且最大规模的放贷。本文建立Logistic信用风险的评价模型,此模型将对于银行等其他金融机构在运用供应链金融模式解决中小企业融资的信用风险上有较大的帮助。
[Abstract]:Nowadays, the status of SMEs is becoming more and more prominent, which has become one of the main driving forces of national economic development. In recent years, a variety of methods to solve the financing problems of SMEs emerge in endlessly, and the financing methods of supply chain finance provide new solutions for the financing problems of SMEs. Based on the chain structure of supply chain, SMEs can not only solve the financing problem, but also benefit other participants in the supply chain to some extent, which is the essential reason for the development of the financing method of supply chain. With the rapid development of supply chain financial financing mode, small and medium-sized financing enterprises should consider which financing mode to choose from the point of view of the whole supply chain, which can finance more quickly and cheaply. Other financial institutions, such as banks, need to consider risk controls in the application of supply chain finance models, especially the credit risk of small and medium-sized enterprises. Firstly, this paper analyzes the risk of supply chain finance from the definition of supply chain finance and the financing dilemma of small and medium-sized enterprises. Secondly, the article mainly analyzes the risk analysis of the supply chain finance and the small and medium-sized enterprises in the use of the supply chain finance, and then mainly introduces the causes of the risk and the credit risk in the financing of the small and medium-sized enterprises. An empirical model of financing credit risk of small and medium-sized enterprises in supply chain finance is established by using Logistic model, and the model is used to judge whether banks and other financial enterprises control the risk of lending to small and medium-sized enterprises. In order to prevent bank capital loss, this model is used to strengthen the financing risk control of small and medium-sized enterprises in supply chain finance. After a series of previous research and analysis, the result of this paper is: for SMEs financing difficulties, the use of supply chain finance this financing model can solve the financing problem of SMEs very well. In the face of financing difficulties, small and medium-sized enterprises can choose different supply chain financial financing models according to their own financial situation, while banks and other financial institutions can use supply chain financial model to expand their business scope and loan scale. When banks evaluate the financing risk of small and medium-sized enterprises, credit risk is the first consideration, how to control the credit risk to minimize and maximize lending. In this paper, the evaluation model of Logistic credit risk is established, which will be of great help to other financial institutions such as banks in using the supply chain financial model to solve the credit risk of SME financing.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F275;F224
本文编号：2201523
[Abstract]:Nowadays, the status of SMEs is becoming more and more prominent, which has become one of the main driving forces of national economic development. In recent years, a variety of methods to solve the financing problems of SMEs emerge in endlessly, and the financing methods of supply chain finance provide new solutions for the financing problems of SMEs. Based on the chain structure of supply chain, SMEs can not only solve the financing problem, but also benefit other participants in the supply chain to some extent, which is the essential reason for the development of the financing method of supply chain. With the rapid development of supply chain financial financing mode, small and medium-sized financing enterprises should consider which financing mode to choose from the point of view of the whole supply chain, which can finance more quickly and cheaply. Other financial institutions, such as banks, need to consider risk controls in the application of supply chain finance models, especially the credit risk of small and medium-sized enterprises. Firstly, this paper analyzes the risk of supply chain finance from the definition of supply chain finance and the financing dilemma of small and medium-sized enterprises. Secondly, the article mainly analyzes the risk analysis of the supply chain finance and the small and medium-sized enterprises in the use of the supply chain finance, and then mainly introduces the causes of the risk and the credit risk in the financing of the small and medium-sized enterprises. An empirical model of financing credit risk of small and medium-sized enterprises in supply chain finance is established by using Logistic model, and the model is used to judge whether banks and other financial enterprises control the risk of lending to small and medium-sized enterprises. In order to prevent bank capital loss, this model is used to strengthen the financing risk control of small and medium-sized enterprises in supply chain finance. After a series of previous research and analysis, the result of this paper is: for SMEs financing difficulties, the use of supply chain finance this financing model can solve the financing problem of SMEs very well. In the face of financing difficulties, small and medium-sized enterprises can choose different supply chain financial financing models according to their own financial situation, while banks and other financial institutions can use supply chain financial model to expand their business scope and loan scale. When banks evaluate the financing risk of small and medium-sized enterprises, credit risk is the first consideration, how to control the credit risk to minimize and maximize lending. In this paper, the evaluation model of Logistic credit risk is established, which will be of great help to other financial institutions such as banks in using the supply chain financial model to solve the credit risk of SME financing.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F275;F224
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本文编号：2201523
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