中小企业供应链融资的案例研究

发布时间：2018-06-06 06:22

本文选题：供应链融资 + 中小企业　；参考：《浙江财经大学》2014年硕士论文

【摘要】：中小企业是实体经济的基石，是国民经济和社会发展的中坚力量，在促进经济发展、增加社会就业、深化改革开放、改善人民生活等各个方面都起着非常重要的作用。我国中小企业数量众多，但是其融资难问题却一直没有得到很好的改善。在解决中小企业融资难的过程中，供应链融资将供应链作为一个整体，借助核心企业信用水平，为中小企业解决资金短缺问题的创新型产品，取得了不错的成绩。在我国供应链融资近年来有了快速的发展。然而，我国的供应链融资处于产品发展的初级阶段，其运营模式较粗放、管理体系并不健全、操作流程不够规范、融资中产生的成本也没有得到很好的控制，除了业务发展初期本身存在的不完善问题之外，我国的供应链融资还面临着监管体制不成熟、核心企业参与度不足、中小企业供应链融资观念不足等各类问题。基于此背景，在总结相关国内外关于中小企业融资、供应链融资理论成果的基础上，本文做出以下研究。首先，是相关概念与现状介绍。相关概念主要界定了中小企业的范畴和供应链融资的定义，，并提出从三个不同的视角理解供应链融资，同时这三个方面与第四章的案例一一对应；现状的介绍分为中小企业融资现状和供应链融资应用现状，通过了解我国以及国外的现实状况，为案例分析提供依据。其次，是从三个视角对供应链融资案例的分析，分别是沃尔玛与李宁公司为各自供应链中的上下游中小企业提供的供应链融资方案、深圳发展银行为中小企业提供的供应链金融服务、美国UPS为中小企业提供的供应链融资服务。文章采取多案例分析方法，先对每个案例进行独立的案例内分析，之后结合前文的理论知识和现状，对案例进行综合的分析研究，得出涵盖供应链融资产品的提供者、供应链中的核心企业、急需获得融资的中小企业三方如何应对的结论。最后，从更好的为中小企业提供供应链融资服务的角度出发，指出供应链融资仍需要政府从宏观的视角出发，制定促进其快速、健康发展的政策和措施。同时，本文通过案例的形式研究供应链融资，着重强调理论与现实相联系，并在研究中尝试突破现有研究以物流管理、银行产品设计为出发点的模式，站在中小企业的立场研究供应链融资。作为一种全新的融资模式，供应链融资在给银行等金融机构和第三方物流企业带来盈利和市场的前提下，更是因为融资门槛的降低和资金快速到位惠及了众多的中小企业，为解决中小企业融资的问题带来了希望。作为一种创新型产品，供应链融资在取得不错成绩的同时也显示着其良好的发展前景。
[Abstract]:Small and medium-sized enterprises are the cornerstone of the real economy and the backbone of the national economy and social development. They play a very important role in promoting economic development, increasing social employment, deepening reform and opening up, and improving people's lives. There are a large number of small and medium enterprises in China, but their financing difficulties have not been well improved. In the process of solving the financing difficulties of small and medium-sized enterprises, supply chain financing takes the supply chain as a whole, with the help of the credit level of core enterprises, innovative products that solve the problem of capital shortage for small and medium-sized enterprises have achieved good results. Supply chain financing in China has developed rapidly in recent years. However, the supply chain financing in our country is in the primary stage of product development, its operation mode is extensive, the management system is not perfect, the operation flow is not standard, and the cost generated in financing is not well controlled. In addition to the imperfect problems in the initial stage of business development, China's supply chain financing is faced with various problems, such as immature regulatory system, insufficient participation of core enterprises, insufficient supply chain financing concept of SMEs, and so on. Based on this background, this paper makes the following research on the basis of summarizing the relevant domestic and foreign theories on SME financing and supply chain financing. First of all, the related concepts and current situation are introduced. The related concepts mainly define the category of small and medium-sized enterprises and the definition of supply chain financing, and put forward to understand supply chain financing from three different perspectives, and these three aspects correspond to the case one by one in chapter four. The present situation is divided into small and medium-sized enterprises financing status and supply chain financing application status, through understanding the reality of China and foreign countries, to provide the basis for case analysis. Secondly, it analyzes the case of supply chain financing from three perspectives, which is the supply chain financing scheme provided by Walmart and Li Ning for the upstream and downstream SMEs in their respective supply chain. The supply chain finance service provided by Shenzhen Development Bank for small and medium-sized enterprises and the supply chain financing service provided by UPS of the United States. This paper adopts the multi-case analysis method, first carries on the independent case analysis to each case, then unifies the previous theory knowledge and the present situation, carries on the comprehensive analysis research to the case, obtains the supplier which covers the supply chain financing product, The conclusion of how to deal with the core enterprises in supply chain, which is in urgent need of financing. Finally, from the point of view of providing better supply chain financing services for SMEs, it is pointed out that supply chain financing still needs the government to formulate policies and measures to promote its rapid and healthy development from the macro perspective. At the same time, this paper studies supply chain financing in the form of case, emphasizes the connection between theory and reality, and tries to break through the current research mode of logistics management and bank product design. Stand in the position of small and medium-sized enterprises to study supply chain financing. As a new financing model, supply chain financing brings profit and market to banks and other financial institutions and third party logistics enterprises, but also because of the lowering of financing threshold and the rapid implementation of funds to benefit many small and medium-sized enterprises. In order to solve the problem of financing small and medium-sized enterprises bring hope. As an innovative product, supply chain financing has achieved good results, but also showed a good development prospects.
【学位授予单位】：浙江财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F274;F832.4

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