基于供应链金融的中小企业银行贷款模式研究
发布时间：2019-01-03 18:17
【摘要】：随着我国经济的快速发展,中小企业也日益成为市场经济的重要载体,然而由于中小企业普遍实力较弱,信用体系尚未建立,商业银行的经营原则首先是确保安全性,这就把中小企业这一高风险群体排斥在外,再加上中小企业担保体系等尚未建立,共同形成了中小企业融资难的困境。如何解决商业银行和中小企业在资金上的供需矛盾,探索出一条银企双赢的融资模式一直是研究的焦点。文章指出,解决这一问题的基本思路是由商业银行在信贷市场上寻找多个参与者或者利益相关者,建立一种特殊机制,共担中小企业融资风险,供应链金融正是满足这种需求的融资模式,这种金融模式借助与中小企业同处一条供应链的大企业的资信,以及第三方物流企业的参与管理,不仅解决了中小企业作为弱势一方融资难的问题,更重要的意义在于使整条供应链的资金配置达到均衡状态,增强了整体竞争力,并搭建了银行和供应链上企业群之间良性互动的产业生态。然而在商业银行大力发展这项新业务的时候,对其风险缺乏深刻的认识，还没有一套科学的管理方法，，经济环境出现较大波动；势必会给银行带来系统性的损失,挫伤银行的积极性。因此,很有必要对供应链金融的相关理论作系统性的研究,从而揭示供应链金融对改善我国中小企业融资困境的有效性,并且分析其风险,提出建议。
[Abstract]:With the rapid development of our country's economy, SMEs have become an important carrier of market economy day by day. However, due to the weakness of the general strength of SMEs and the fact that the credit system has not yet been established, the management principle of commercial banks is to ensure the safety first. This exclusion of SMEs as a high-risk group, coupled with the SMEs guarantee system has not been established, together with the formation of SMEs financing difficulties. How to solve the contradiction of supply and demand between commercial banks and small and medium-sized enterprises in capital, and explore a win-win financing mode of banks and enterprises has been the focus of research. The paper points out that the basic idea to solve this problem is for commercial banks to look for multiple participants or stakeholders in the credit market and establish a special mechanism to share the financing risks of small and medium-sized enterprises. Supply chain finance is the financing mode to meet this kind of demand. This kind of financial model is based on the credit of large enterprises in the same supply chain with small and medium-sized enterprises, as well as the participation of third party logistics enterprises in management. It not only solves the problem of financing difficulty of small and medium-sized enterprises as a weak party, but also makes the capital allocation of the whole supply chain balanced and enhances the overall competitiveness. The industrial ecology of benign interaction between banks and supply chain enterprises is also built. However, when the commercial banks vigorously develop this new business, they lack a deep understanding of its risks, there is no scientific management method, and the economic environment fluctuates greatly. It is bound to bring systemic losses to the banks, dampening the enthusiasm of the banks. Therefore, it is necessary to make a systematic study on the relevant theories of supply chain finance, so as to reveal the effectiveness of supply chain finance in improving the financing difficulties of small and medium-sized enterprises in China, and to analyze its risks and put forward some suggestions.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F275;F832.4;F276.3
本文编号：2399725
[Abstract]:With the rapid development of our country's economy, SMEs have become an important carrier of market economy day by day. However, due to the weakness of the general strength of SMEs and the fact that the credit system has not yet been established, the management principle of commercial banks is to ensure the safety first. This exclusion of SMEs as a high-risk group, coupled with the SMEs guarantee system has not been established, together with the formation of SMEs financing difficulties. How to solve the contradiction of supply and demand between commercial banks and small and medium-sized enterprises in capital, and explore a win-win financing mode of banks and enterprises has been the focus of research. The paper points out that the basic idea to solve this problem is for commercial banks to look for multiple participants or stakeholders in the credit market and establish a special mechanism to share the financing risks of small and medium-sized enterprises. Supply chain finance is the financing mode to meet this kind of demand. This kind of financial model is based on the credit of large enterprises in the same supply chain with small and medium-sized enterprises, as well as the participation of third party logistics enterprises in management. It not only solves the problem of financing difficulty of small and medium-sized enterprises as a weak party, but also makes the capital allocation of the whole supply chain balanced and enhances the overall competitiveness. The industrial ecology of benign interaction between banks and supply chain enterprises is also built. However, when the commercial banks vigorously develop this new business, they lack a deep understanding of its risks, there is no scientific management method, and the economic environment fluctuates greatly. It is bound to bring systemic losses to the banks, dampening the enthusiasm of the banks. Therefore, it is necessary to make a systematic study on the relevant theories of supply chain finance, so as to reveal the effectiveness of supply chain finance in improving the financing difficulties of small and medium-sized enterprises in China, and to analyze its risks and put forward some suggestions.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F275;F832.4;F276.3
【参考文献】
相关期刊论文 前10条
1 贺卫;彭驰;;供应链的交易成本分析及供产双方的博弈[J];财经科学;2007年05期
2 刘英;对现阶段我国国有商业银行金融创新的思考[J];财经问题研究;2002年08期
3 胡跃飞;黄少卿;;供应链金融:背景、创新与概念界定[J];财经问题研究;2009年08期
4 宋冬梅;沈友娣;;运用Logistic模型评价上市公司信用风险[J];财会月刊;2008年05期
5 郑绍庆;融通仓——第三方物流架设银企桥梁[J];财经理论与实践;2004年01期
6 王夫乾;杨斌;;基于供应链分析的中小企业融资[J];当代经理人;2006年04期
7 陶凌云;胡红星;;风险控制下的供应链金融——以某商业银行为例[J];区域金融研究;2009年11期
8 程兴玉;;信息不对称与中小企业融资[J];合作经济与科技;2006年05期
9 何白桦;;浅议小企业融资难问题[J];经济视角(下);2009年01期
10 吴九占;中小企业融资难的原因与对策分析[J];经济师;2003年05期
本文编号：2399725
本文链接：https://www.wllwen.com/guanlilunwen/huobilw/2399725.html
