基于供应链融资的中小企业信贷风险评估研究

发布时间：2018-01-02 10:09

本文关键词：基于供应链融资的中小企业信贷风险评估研究　出处：《北京交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：中小企业的数量占到企业总数的99%,其对于我国国民经济的发展有着不可替代的作用。不过中小企业所做出的贡献与其所获得的信贷支持并不成比例,资金瓶颈一直困扰着中小企业,成为阻碍其发展的首要问题。随着银行竞争形势不断变化,中小企业日益成为商业银行发展的战略性目标,如果能找到好的切入路径和科学方法来评估中小企业的信用,控制其风险,为中小企业提供融资业务,就能够为银行带来新的利润。供应链融资模式正是在这种背景下应运而生,它从供应链角度对中小企业开展综合授信,并将对单个企业的风险管理转变为对供应链的风险管理,更加强调供应链的稳定性、贸易背景的真实性以及受信企业贸易伙伴的资信和实力,从而将信贷风险从单个企业转化到整个供应链体系中。本文首先阐述了研究的背景、意义和思路,相关的文献综述,继而引出相关概念和内涵,对供应链融资的理论进行详细阐述。并分析了供应链融资模式下中小企业的信贷风险,运用层次分析法和灰色综合评价法构建了供应链融资模式下的中小企业信贷风险评估体系,结合具体案例分别对中小企业在供应链融资模式下和传统融资模式下信贷风险进行评估,并作对比分析,显示出供应链融资的优越性。证明了供应链融资跳出了为单个企业提供授信的局限,站在产业链的角度为整个供应链成员企业提供信贷支持,扩宽了银行的业务领域,将中小企业的单个风险转移到整条供应链中,从而实现风险弱化。通过对供应链中物流和资金流的有效整合,促进了供应链核心企业与上下游中小企业的业务稳定,有利于形成银行、企业和供应链三者共同发展的良性产业生态环境。
[Abstract]:The number of SMEs accounts for 99% of the total number of enterprises, which plays an irreplaceable role in the development of our national economy. However, the contribution made by SMEs is not proportional to the credit support they receive. The capital bottleneck has been puzzling the small and medium-sized enterprises (SMEs) and has become the primary problem that hinders their development. With the changing competition situation of the banks, the SMEs have become the strategic target of the development of commercial banks. If we can find a good approach and scientific methods to evaluate the credit of SMEs, control their risks, and provide financing business for SMEs. It is under this background that the supply chain financing mode emerges as the times require, and it carries out comprehensive credit to small and medium-sized enterprises from the perspective of supply chain. And the risk management of a single enterprise will be transformed into the risk management of the supply chain, more emphasis on the stability of the supply chain, the authenticity of the trade background, as well as the credit and strength of the trusted enterprise trading partners. In order to transform credit risk from a single enterprise to the entire supply chain system. This paper first describes the research background, significance and ideas, related literature review, and then leads to the relevant concepts and connotations. The theory of supply chain financing is expounded in detail, and the credit risk of small and medium-sized enterprises under supply chain financing mode is analyzed. The credit risk assessment system of small and medium-sized enterprises under supply chain financing model is constructed by using AHP and grey comprehensive evaluation method. Combined with specific cases of SMEs in the supply chain financing model and traditional financing mode of credit risk assessment, and make a comparative analysis. It shows the superiority of supply chain financing. It proves that supply chain financing has jumped out of the limitation of providing credit to individual enterprises and provided credit support to the whole supply chain member enterprises from the angle of industry chain. It broadens the business domain of the bank and transfers the single risk of the small and medium-sized enterprises to the whole supply chain so as to realize the risk weakening. Through the effective integration of the logistics and the capital flow in the supply chain. It promotes the business stability of supply chain core enterprises and upstream and downstream small and medium-sized enterprises, and is conducive to the formation of a benign industrial ecological environment in which banks, enterprises and supply chains develop together.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4;F275

【参考文献】