供应链金融模式下商业银行中小企业融资问题研究

发布时间：2019-06-08 08:56

【摘要】：我国中小企业在推动国民经济持续快速发展、缓解就业压力、拉动内部需求等方面都发挥了十分重要作用。但由于信用等级普遍较低、缺乏可抵押财产、商业银行与企业之间信息不对称等原因,融资难成为制约其生存和发展的主要问题。供应链金融是商业银行针对中小企业融资难问题为其量身定做的一种新型融资模式,它基于供应链的角度,通过制度创新引入核心企业以及第三方物流来共同分担中小企业的融资风险,既缓解了弱势企业的融资困境,同时为银行带来了新的盈利模式和理念脉络,是有效解决中小企业的融资难的新途径。本文通过理论与实际案例相结合的方法,从整理研究中小企业融资问题及供应链金融的文献资料入手,结合具体案例分析阐述了供应链金融的概念、特点、融资模式,在其基础上从中小企业、商业银行、政府三方面对我国中小企业融资现状和存在的主要问题以及商业银行供应链金融服务发展现状进行分析,提出供应链金融对中小企业融资的促进作用,然后从系统的角度应用Logistic回归建立供应链金融信用风险评价模型,结合因子分析对我国供应链金融的信用风险进行量化。最后对我国商业银行中小企业供应链金融管理针对其存在的问题提出具体的对策。
[Abstract]:Small and medium-sized enterprises in China have played a very important role in promoting the sustained and rapid development of the national economy, alleviating the pressure of employment, stimulating internal demand and so on. However, due to the low credit rating, the lack of mortgaged property, the asymmetry of information between commercial banks and enterprises, the difficulty of financing has become the main problem restricting its survival and development. Supply chain finance is a new financing mode tailored to the financing difficulties of small and medium-sized enterprises by commercial banks, which is based on the point of view of supply chain. The introduction of core enterprises and third-party logistics through institutional innovation to share the financing risks of small and medium-sized enterprises not only alleviates the financing predicament of vulnerable enterprises, but also brings new profit models and ideas to banks. It is a new way to solve the financing difficulties of small and medium-sized enterprises effectively. Through the method of combining theory with practical cases, this paper analyzes the concept, characteristics and financing mode of supply chain finance by sorting out and studying the financing problems of small and medium-sized enterprises and the literature of supply chain finance. On the basis of this, this paper analyzes the present situation and main problems of financing of small and medium-sized enterprises in China from three aspects of small and medium-sized enterprises, commercial banks and the government, as well as the present situation of the development of supply chain financial services of commercial banks. This paper puts forward the promoting effect of supply chain finance on the financing of small and medium-sized enterprises, and then establishes the credit risk evaluation model of supply chain finance by using Logistic regression from a systematic point of view, and quantifies the credit risk of supply chain finance in China with factor analysis. Finally, the supply chain financial management of small and medium-sized enterprises in China's commercial banks in view of its existing problems put forward specific countermeasures.
【学位授予单位】：西安电子科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F276.3;F832.4

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