“四角式”供应链应收账款融资平台建设研究

发布时间：2018-08-25 19:22

【摘要】：中小企业是我国经济发展的重要动力,更是我国实现供给侧改革过程中一支不可忽视的力量。然而,中小企业却经常因规模小、缺乏质押物、资信等级差等原因,在融资方面存在诸多困境。数据显示,2014年我国中小型工业企业应收账款净额共计超过6.5万亿元,可以作为中小企业重要的融资质押手段获取资金。为了帮助中小企业提升应收账款融资的效率,部分文献从搭建基于供应链的应收账款融资平台入手进行了研究,但是这些平台多数为"三角式",往往导致某个参与方一方独大,不能达到缓解中小企业融资约束的作用。本文力图建立一个基于电子票据的"四角式"供应链应收账款融资平台,解决"三角式"平台存在的各种问题,从而促进中小企业融资。本文提出的平台可以为我国中小企业供应链融资提供新的视角,也为我国全要素生产率的提升做出贡献。
[Abstract]:The small and medium-sized enterprises are the important motive force of our country's economic development, and it is also a force that can not be ignored in the process of the supply-side reform in our country. However, SMEs often have many difficulties in financing because of their small scale, lack of pledge and poor credit rating. The data show that in 2014, the net accounts receivable of small and medium-sized industrial enterprises in our country is more than 6.5 trillion yuan, which can be used as an important means of financing pledge for small and medium-sized enterprises to obtain funds. In order to help small and medium-sized enterprises improve the efficiency of accounts receivable financing, part of the literature starts with the establishment of a supply chain based accounts receivable financing platform, but most of these platforms are "triangular", which often lead to a single party. Can not achieve the role of easing the financing constraints of small and medium-sized enterprises. This paper tries to establish a "quadrangle" supply chain account receivable financing platform based on electronic bill, to solve the various problems existing in the "triangle" platform, so as to promote the financing of small and medium-sized enterprises. The platform proposed in this paper can provide a new perspective for the supply chain financing of small and medium-sized enterprises in China, and also contribute to the promotion of total factor productivity in China.
【作者单位】：天津城建大学经济与管理学院;南开大学商学院;
【基金】：天津市科技发展战略研究计划项目“国有控股集团创新体系建设与投融资平台互动机制的路径研究——基于天津市八家国有控股集团的研究”的支持(项目编号:10ZLZLZF04300)
【分类号】：F275;F276.3

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