我国中小企业供应链模式的信用风险分析

发布时间：2018-04-22 01:16

本文选题：供应链融资 + 中小企业　；参考：《辽宁大学》2012年硕士论文

【摘要】：中小企业对我国的经济发展和社会稳定发挥着越来越重要的作用，但是中小企业面临的生存与发展问题依然存在，尤其是中小企业的融资问题，仍然是中小企业面临的最重要的难题之一。针对这一问题，各国都有过许多的解决方案，例如融通仓融资，应收账款融资等。商业银行基于供应链的角度进行了产品创新，供应链融资的出现在一定程度上改善了中小企业的困境。供应链融资是银行运用结构性短期融资工具，基于商品交易中的存货、预付款、应收账款等资产的融资。供应链融资的便捷也为大的企业带来了便利，因此供应链融资已经成为学术界研究的热点。研究供应链融资相关的理论是非常重要的，对于企业以及中国的经济发展都有积极的推动作用。本文在概述供应链融资及信用风险基本理论的基础上，主要分析供应链融资中所存在的信用风险，，以及风险产生的影响因素，利用KMV模型分析信用风险各个因素所占的份额，从而得出在供应链融资中应该主要关注的信用风险因素，并提出相应的对策与操作建议。第一部分主要介绍供应链融资以及信用风险的基本内容，包括供应链融资概念、特点以及中小企业的界定和信用风险的相关概念。第二部分主要是实证分析信用风险的主要度量问题，研究商业银行在供应链融资授信时所考虑的主要影响因素，重点是利用KMV模型具体分析商业银行的授信过程中主要的考虑因素。第三部分主要对供应链融资的三种主要运作模式进行介绍并介绍相应模式下的风险因素及规避方法。最后在上述实证分析的基础上，对于我国中小企业供应链融资模式与信用风险问题提出一般结论及相应的对策和操作建议，对于供应链金融的未来发展做出展望。本文的研究主要集中于应用研究，有一定的创新点，同时也期望对于供应链融资的实践以及改善有一定的积极推动作用。
[Abstract]:Small and medium-sized enterprises play a more and more important role in the economic development and social stability of our country. However, the survival and development of small and medium-sized enterprises still exist, especially the financing problem of small and medium-sized enterprises. It is still one of the most important problems faced by SMEs. For this problem, countries have many solutions, such as margin financing, accounts receivable financing and so on. Commercial banks carry on product innovation based on supply chain, and the emergence of supply chain financing improves the plight of SMEs to a certain extent. Supply chain financing is the use of structured short-term financing instruments, based on commodity transactions in the inventory, advances, accounts receivable and other assets financing. The convenience of supply chain financing also brings convenience to large enterprises, so supply chain financing has become a hot research topic in academia. It is very important to study the theory of supply chain financing, which can promote the economic development of enterprises and China. On the basis of summarizing the basic theory of supply chain financing and credit risk, this paper mainly analyzes the credit risk existing in the supply chain financing and the influencing factors of the risk, and uses KMV model to analyze the share of each factor of the credit risk. The credit risk factors which should be paid attention to in the supply chain financing are obtained, and the corresponding countermeasures and operational suggestions are put forward. The first part mainly introduces the supply chain financing and the basic content of credit risk, including supply chain financing concept, characteristics, the definition of small and medium-sized enterprises and credit risk related concepts. The second part is the empirical analysis of the main measurement of credit risk, the main factors that commercial banks consider in the supply chain financing credit. The key point is to use KMV model to analyze the main factors in the credit granting process of commercial banks. The third part mainly introduces the three main operation modes of supply chain financing and introduces the risk factors and evading methods under the corresponding mode. Finally, based on the above empirical analysis, the paper puts forward general conclusions and corresponding countermeasures and operational suggestions for the financing mode and credit risk of the supply chain of small and medium-sized enterprises in China, and makes a prospect for the future development of the supply chain finance. The research in this paper is mainly focused on the applied research, which has some innovation points, but also expects to have a positive role in promoting the practice and improvement of supply chain financing.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F276.3;F274;F832.2

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