基于供应链金融缓解中小企业融资困境

发布时间：2018-01-10 04:29

本文关键词：基于供应链金融缓解中小企业融资困境　出处：《复旦大学》2012年硕士论文　论文类型：学位论文

【摘要】：中小企业是各国国民经济占据重要地位,凭借其自身的多样性和灵活性特点,在各国社会稳定和经济发展中发挥着重要的作用,在创造就业机会、提升市场效率、增加国际贸易、活跃市场创新和维持社会稳定等方面,起到了难以替代的作用。自改革开放以来,我国中小企业发展迅速,但相对发达国家而言,我国中小企业的发展仍处于起步阶段,融资困难成为目前制约我国中小企业发展的主要瓶颈。虽然政府出台各类扶持政策,商业银行也在不断改进金融服务,但中小企业融资问题始终无法缓解。在此背景下,供应链金融服务应运而生,作为商业银行一种新的融资服务模式,供应链金融成为商业银行服务中小企业新的业务增长点。通过将核心企业与链属中小企业进行关联,将资金流、贸易流和物流进行充分结合,商业银行可充分掌握中小企业经营和财务信息,跳出单个企业传统的融资局限,使原先高风险的“零售”信贷业务转化为低风险的“批发”信贷业务,可使商业银行有效介入中小企业融资市场,缓解中小企业的融资困境。供应链金融通过引入核心企业,有效缓解了商业银行与中小企业间信息不对称问题,缓解中小企业融资过程中的逆向选择、道德风险以及所导致的信贷配给问题,同时对于我国银行业金融机构改革和盈利模式的创新有较大的借鉴意义。本文共分为五个部分,各章节主要内容如下：第一章为导论,提出研究的问题,分析选题的背景和意义；对国内外研究进行综述；说明研究的方法和主要内容,以及本文的创新和不足。第二章通过中小企业特点、作用与意义等方面对中小企业进行分析,反映中小企业在国民经济中的重要地位,以及不同阶段的金融服务需求。对比国内外中小企业融资现状,提出我国中小企业融资特征及所面临的问题。第三章提出以供应链金融缓解中小企业融资困境的观点。结合供应链金融理论、模式和产品,阐述通过供应链金融模式引入核心企业进行系统性融资安排,可以有效缓解商业银行与中小企业信息不对称和信贷配给,缓解中小企业融资困境。第四章,通过构建信用评估体系并结合实际供应链案例,检验供应链金融对于改善中小企业信用评估、缓解融资困境的作用。第五章,提出结论,供应链金融是缓解信息不对称和信贷配给、缓解我国中小企业融资的有效途径,也是我国商业银行经营结构转型的选择之一。并提出需要进一步研究的问题。
[Abstract]:Small and medium-sized enterprises (SMEs) play an important role in social stability and economic development and create employment opportunities by virtue of their diversity and flexibility. Improving market efficiency, increasing international trade, activating market innovation and maintaining social stability have played an irreplaceable role. Since the reform and opening up, small and medium-sized enterprises in China have developed rapidly, but the development of small and medium-sized enterprises in China is still in its infancy compared with the developed countries. Financing difficulties have become the main bottleneck restricting the development of small and medium-sized enterprises in China. Although the government has introduced various kinds of supporting policies and commercial banks are constantly improving their financial services, the financing problems of small and medium-sized enterprises can not be alleviated. In this context, the supply chain financial services emerged as a new financing service model of commercial banks. Supply chain finance has become a new business growth point for commercial banks to serve small and medium-sized enterprises. By linking the core enterprises with the chain owned SMEs, the capital flow, trade flow and logistics are fully integrated. Commercial banks can fully grasp the management and financial information of small and medium-sized enterprises, jump out of the traditional financing limitations of individual enterprises, so that the original high-risk "retail" credit business into low-risk "wholesale" credit business. It can make commercial banks effectively intervene in the financing market of SMEs and alleviate the financing difficulties of SMEs. Supply chain finance can effectively alleviate the information asymmetry between commercial banks and SMEs by introducing core enterprises. It can alleviate the adverse selection, moral hazard and credit rationing in the process of financing of small and medium-sized enterprises. At the same time, it can be used for reference for the reform of banking institutions and the innovation of profit model in China's banking industry. This paper is divided into five parts. The main contents of each chapter are as follows: The first chapter is the introduction, puts forward the research question, analyzes the background and the significance of the topic; Summarize the domestic and foreign research; Explain the research method and main content, as well as the innovation and deficiency of this paper. Chapter two analyzes the small and medium-sized enterprises through the characteristics, role and significance of small and medium-sized enterprises. Reflect the important position of SMEs in the national economy, as well as the different stages of financial service demand. Compare the financing status of SMEs at home and abroad. The third chapter puts forward the viewpoint of alleviating the financing dilemma of SMEs by supply chain finance, combined with supply chain finance theory, model and products. It is expounded that introducing the core enterprises into the supply chain financial model to carry out systematic financing arrangements can effectively alleviate the information asymmetry and credit rationing between commercial banks and small and medium-sized enterprises, and alleviate the financing difficulties of small and medium-sized enterprises. Chapter 4th. Through the construction of credit evaluation system and combined with the actual supply chain cases, this paper examines the role of supply chain finance in improving the credit evaluation of SMEs and alleviating the financing difficulties. Chapter 5th, puts forward the conclusion. Supply chain finance is an effective way to alleviate the information asymmetry and credit rationing, and also one of the choices of Chinese commercial banks' management structure transformation.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832;F276.3;F224

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