供应链融资模式下的中小企业融资问题研究

发布时间：2019-05-23 06:54

【摘要】：“资金饥渴症”长期影响并制约着中小企业的健康发展，长久以来各种“治疗”方案也层出不穷。供应链融资这一创新思维方式的出现可谓是治疗中小企业“资金饥渴症”的一剂良药，使中小企业摆脱融资困境成为可能。中小企业供应链融资之所以能够产生并快速发展的本质原因是其不仅能够在一定程度上缓解中小企业的资金困境，并且还能使供应链上的各合作者都能获得利于自身发展的益处，同时带动整条供应链的良性发展。然而，供应链融资在我国得以快速发展的同时，也存在一些问题，例如核心企业供应链管理意识薄弱，，中小企业对供应链融资模式了解甚少以及贷后中小企业与金融机构之间的合作与守信问题都会在不同程度上对供应链融资的大范围推广和具体应用产生影响，因此不同的企业根据自身的情况选择适合的供应链融资模式就显得尤为重要，同时也对提高供应链融资水平有较大的意义。首先，本文基于供应链融资的理论，对中小企业生产经营情况和中小企业供应链融资的现状进行了分析，并着重分析了现阶段供应链内中小企业的资金缺口及其产生的不利影响。其次，分析应对中小企业资金缺口的供应链融资模式，并分析了供应链融资模式的正向效用，通过建立供应链融资模式和担保机构参与的融资方式下的银企博弈模型，进一步说明了供应链融资模式的优势，并建议中小企业在不同情形下选择适合自身的供应链融资模式。然后，分析了供应链融资应用于中小企业的案例，并从创新价值和启示两方面分析了供应链融资案例，对供应链融资模式的优势及价值进行了具体分析。最后，针对如何完善中小企业供应链融资提出了的对策与建议，以期达到为中小企业不断拓宽融资渠道、缓解中小企业融资难的目的。
[Abstract]:"Capital hunger" has long affected and restricted the healthy development of small and medium-sized enterprises, and a variety of "treatment" programs have emerged in endlessly for a long time. The emergence of the innovative mode of thinking of supply chain financing can be described as a good medicine to treat the "capital hunger" of small and medium-sized enterprises, which makes it possible for small and medium-sized enterprises to get out of the financing predicament. The essential reason why supply chain financing of small and medium-sized enterprises can produce and develop rapidly is that it can not only alleviate the financial predicament of small and medium-sized enterprises to a certain extent. And it can also make the partners in the supply chain get the benefits of their own development, and at the same time promote the healthy development of the whole supply chain. However, with the rapid development of supply chain financing in China, there are also some problems, such as the weak awareness of supply chain management in core enterprises. Small and medium-sized enterprises have little understanding of supply chain financing model and the cooperation and trustworthiness between small and medium-sized enterprises and financial institutions after loan will have an impact on the wide-scale promotion and specific application of supply chain financing to varying degrees. Therefore, it is particularly important for different enterprises to choose the appropriate supply chain financing mode according to their own situation, and it is also of great significance to improve the level of supply chain financing. First of all, based on the theory of supply chain financing, this paper analyzes the production and operation of small and medium-sized enterprises and the current situation of supply chain financing of small and medium-sized enterprises. At the same time, the capital gap of small and medium-sized enterprises in supply chain and its adverse effects are analyzed. Secondly, it analyzes the supply chain financing model to deal with the capital gap of small and medium-sized enterprises, and analyzes the positive utility of the supply chain financing model, through the establishment of supply chain financing model and the participation of guarantee institutions in the financing mode of the bank-enterprise game model. The advantages of supply chain financing mode are further explained, and it is suggested that small and medium-sized enterprises should choose their own supply chain financing mode under different circumstances. Then, it analyzes the case of supply chain financing applied to small and medium-sized enterprises, analyzes the case of supply chain financing from two aspects of innovative value and enlightenment, and analyzes the advantages and values of supply chain financing model. Finally, this paper puts forward some countermeasures and suggestions on how to perfect the supply chain financing of small and medium-sized enterprises, in order to broaden the financing channels for small and medium-sized enterprises and alleviate the financing difficulties of small and medium-sized enterprises.
【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;F276.3;F274

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