基于中小企业融资角度的供应链金融模式研究

发布时间：2018-11-15 23:03

【摘要】：中小企业是当今经济运行中不可缺少的重要组成部分,与大企业一样，是国家经济发展和社会稳定的重要支柱，在推动经济增长、解决就业等方面发挥了关键作用。但是,中小企业的发展受到各方面的制约,其中一个主要障碍是融资难问题。毫不例外，我国的中小企业同样着面临融资困境，中小企业金融资源的匮乏严重影响了这一群体的长远发展。本文从介绍我国中小企业的发展现状入手,详细介绍了我国中小企业融资现状，并对造成中小企业融资渠道狭窄、融资成本高等困境的成因进行了分析。在此基础上，本文认为在当前经济形势和金融格局下，供应链金融能够较好地解决中小企业融资难题。进而阐述了供应链金融在缓解中小企业融资困境方面的优势及其局限，介绍了供应链金融的相关参与主体以及相关运作过程。最后介绍了现有供应链金融的主流融资模式,并对每种模式进行了分析，在三种主流融资模式基础上提出了两种可供探讨和实践的新的融资模式，以期能够丰富供应链金融模式，更好地解决中小企业融资问题。通过分析，本文得出的结论是: 1.有多种方式可以解决中小企业融资困境，但根本办法在于解决银企之间信息不对称问题，而供应链金融能够较好地解决这个问题，供应链金融的应用前景值得期待。 2.供应链金融业务针对中小企业的特点，，把处在供应链上的各主体结合在一起，通过引进核心企业和第三方物流企业达到对上下游中小企业增信和风险控制的目的，以应对中小企业的融资需要。 3.供应链金融业务一方面使中小企业得到了资金支持，核心企业也可借此扩展其供应链；另一方面则大大拓宽了商业银行和物流企业的业务空间，为其带来新的利润增长点。 4.现有供应链融资模式存在自身优势，但还有一些不足，应加强改进，同时应当探索更多更完善的供应链融资模式。 5.提出两种可供思考和实践的融资模式：订单融资模式、并购融资模式
[Abstract]:Small and medium-sized enterprises (SMEs) are an indispensable part of the current economic operation. Like large enterprises, they are important pillars of national economic development and social stability, and play a key role in promoting economic growth and solving employment. However, the development of small and medium-sized enterprises is restricted by various aspects, one of the main obstacles is financing difficulties. Without exception, small and medium-sized enterprises in our country are also facing financing difficulties. The lack of financial resources of small and medium-sized enterprises has seriously affected the long-term development of this group. This paper introduces the present situation of the development of the small and medium-sized enterprises in our country, and analyzes the causes of the difficulties caused by the narrow financing channels and the high financing cost of the small and medium-sized enterprises in our country. On this basis, this paper argues that supply chain finance can solve the financing problem of SMEs well under the current economic situation and financial situation. Then the paper expounds the advantages and limitations of supply chain finance in alleviating the financing dilemma of small and medium-sized enterprises, and introduces the relevant participants and operation process of supply chain finance. Finally, this paper introduces the main financing mode of supply chain finance, and analyzes each mode, and puts forward two new financing models for discussion and practice on the basis of three mainstream financing modes. In order to enrich the supply chain financial model, better solve the financing problem of small and medium enterprises. The conclusion of this paper is as follows: 1. There are many ways to solve the financing dilemma of small and medium-sized enterprises, but the fundamental solution is to solve the problem of information asymmetry between banks and enterprises, and supply chain finance can solve this problem better. The application prospect of supply chain finance should be expected. 2. According to the characteristics of small and medium-sized enterprises, the supply chain financial business combines the main bodies in the supply chain, through the introduction of core enterprises and third party logistics enterprises to achieve the purpose of increasing credit and risk control of upstream and downstream SMEs. To meet the financing needs of SMEs. 3. On the one hand, the financial business of supply chain makes small and medium-sized enterprises get financial support, and the core enterprises can also expand their supply chain; on the other hand, it greatly broadens the business space of commercial banks and logistics enterprises, and brings them new profit growth points. 4. The existing supply chain financing mode has its own advantages, but there are still some shortcomings, which should be improved, and more perfect supply chain financing models should be explored at the same time. 5. Two financing modes for consideration and practice are put forward: order financing mode, M & A financing mode.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832

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