商业银行拓展中小企业供应链融资的问题研究

发布时间：2018-05-06 09:10

本文选题：商业银行 + 中小企业　；参考：《山东大学》2012年硕士论文

【摘要】：随着我国市场经济的不断发展,中小企业在我国的国民经济中扮演着越来越重要的角色,其在保证国民经济持续稳定增长、带动地区经济发展、增加就业、提高人民生活水平、扩大财政收入、实现科技创新与成果转化等方面,均发挥着越来越重要的作用。但与之形成强烈反差的是,我国中小企业的融资地位却与其在国民经济中的地位与作用极不相称。一方面,融资难一直是制约中小企业发展的主要瓶颈,中小企业融资难问题严重制约了我国经济结构的调整和整体经济效益的提高；另一方面,商业银行已经开始逐步意识到客户结构调整的重要性,已经开始逐步将重点转向中小企业,但由于彼此之间信息不对称,商业银行对中小企业又存在着想贷又不敢贷的困惑,双方已经互相吸引,却缺乏互通的桥梁。因此如何解决中小企业融资难、解除商业银行对中小企业想贷又不敢贷的困惑,已经成为金融界和企业界必须面前对和亟待解决的重大课题。供应链金融作为专门为中小企业量身定做的一种新型融资模式,可以将资金流有效地整合到供应链管理中来,不仅为供应链各个环节的弱势企业提供新型贷款融资服务,而且又通过金融资本与实业经济协作,构筑其银行、企业和商品供应链三者之间互利共存、持续发展、良性互动的产业生态。基于此,本文首先回顾了国内外中小企业融资问题的相关文献,然后分析了中小企业融资的现状和中小企业融资难的原因。在此基础上,本文阐述了供应链管理和银行供应链融资的概念,证明了供应链融资产品的必要性和相关价值,介绍了供应链融资模式及供应链融资的特征,并以PF银行最近推出的供应链融资产品为案例,对供应链融资进行实证分析。理论分析和案例分析的结果均表明,供应链融资能极为有力地帮助商业银行提高服务中小企业的能力,并能够降低融资风险,银行与企业的双赢是可行又有效的。最后,本文还对供应链融资的风险情况进行分析,指出其存在的风险点,并通过对供应链融资产品的风险控制,合理利用供应链融资。
[Abstract]:With the continuous development of our market economy, small and medium-sized enterprises play an increasingly important role in the national economy of our country. They play an increasingly important role in ensuring the sustained and stable growth of the national economy, promoting regional economic development, increasing employment, and improving the living standards of the people. Expanding financial revenue and realizing scientific and technological innovation and transformation of achievements are playing more and more important roles. However, the financing status of small and medium-sized enterprises in China is out of proportion to their position and role in the national economy. On the one hand, the difficulty of financing has been the main bottleneck restricting the development of small and medium-sized enterprises. On the other hand, it has seriously restricted the adjustment of the economic structure and the improvement of the overall economic efficiency of our country. Commercial banks have begun to gradually realize the importance of customer structure adjustment, have begun to focus on small and medium-sized enterprises gradually, but due to the information asymmetry between each other, commercial banks are confused about SMEs who want to borrow or dare not to borrow. The two sides have attracted each other, but lack of bridges. Therefore, how to solve the financing difficulties of small and medium-sized enterprises and how to relieve the confusion that commercial banks want to borrow but do not dare to borrow has become an important subject that must be solved in front of the financial and business circles. Supply chain finance, as a new type of financing mode specially tailored for small and medium-sized enterprises, can effectively integrate capital flow into supply chain management, and not only provide new loan financing services for vulnerable enterprises in every link of supply chain. Moreover, through the cooperation of financial capital and industrial economy, the industrial ecology of mutual benefit coexistence, sustainable development and benign interaction among banks, enterprises and commodity supply chain is constructed. Based on this, this paper first reviews the domestic and foreign literature on the financing of SMEs, and then analyzes the current situation of SMEs' financing and the reasons for the difficulty of SMEs' financing. On this basis, this paper expounds the concepts of supply chain management and bank supply chain financing, proves the necessity and value of supply chain financing products, and introduces the supply chain financing mode and the characteristics of supply chain financing. Taking PF Bank's recently launched supply chain financing products as an example, this paper makes an empirical analysis of supply chain financing. The results of both theoretical analysis and case study show that the supply chain financing can help commercial banks to improve their ability to serve SMEs and reduce the risk of financing. The win-win situation between banks and enterprises is feasible and effective. Finally, this paper analyzes the risk of supply chain financing, points out its risk points, and through the supply chain financing products risk control, reasonable use of supply chain financing.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F274;F832.4;F276.3

【参考文献】