供应链金融实践与存在的问题
发布时间：2019-06-14 00:31
【摘要】：作为中小企业重要的金融支持,供应链金融正不断地变换形态,以更加复杂的形式为中小企业提供着更加便捷的服务。如何充分发挥供应链金融服务中小企业的作用,有效降低中小企业融资成本,提高中小企业资金使用效率,对促进我国经济持续健康发展具有十分重要的意义。 通过阅读文献和实地考察对供应链金融理论和实践现状进行深入研究,梳理了供应链金融业务模式和管理模式存在的主要问题,提出了相应的改进意见。 通过研究发现拥有较强资金实力的商业银行存在很多问题。诸如机构设置不灵活,对供应链金融工具重视不够,营销方向不合理；过度依赖核心企业,思维保守,依然提留在依托核心企业去推广供应链金融业务,对于竞争者缺乏足够的包容态度,不能积极和互联网金融(尤其是电商)企业进行正面竞争并采取积极的态度进行合作。 这些都使真正高效、普惠的供应链金融体系难以快速建立起来。本文针对以上问题进行分析并提出了政策建议：提倡建立供应链金融专设部门,大力培养供应链专业人才队伍,加快储备能适应供应链金融业务要求的高素质人才；改革薪酬制度体系,提高工作人员工作积极性；加快新型供应链金融平台的建设与合作,充分利用好互联网平台服务中小企业,摆脱核心企业依赖；在对外方面,积极同电子商务企业合作,参与互联网金融竞争。通过多重措施打造新型互联网供应链金融体系。
[Abstract]:As an important financial support for small and medium-sized enterprises, supply chain finance is constantly changing its form, providing more convenient services for small and medium-sized enterprises in a more complex form. How to give full play to the role of supply chain financial services small and medium-sized enterprises, effectively reduce the financing costs of small and medium-sized enterprises, improve the efficiency of the use of funds of small and medium-sized enterprises, is of great significance to promote the sustained and healthy development of China's economy. Through reading the literature and field investigation, this paper makes a deep study on the theory and practice of supply chain finance, combs the main problems existing in the supply chain financial business model and management mode, and puts forward some corresponding suggestions for improvement. Through the study, it is found that there are many problems in commercial banks with strong capital strength. Such as inflexible institutional setting, insufficient attention to supply chain financial instruments, unreasonable marketing direction; excessive dependence on core enterprises, conservative thinking, still relying on core enterprises to promote supply chain financial business, lack of adequate tolerance attitude towards competitors, can not actively compete with Internet finance (especially e-commerce) enterprises and take a positive attitude to cooperate. These make it difficult to establish a truly efficient and inclusive supply chain financial system. In view of the above problems, this paper analyzes and puts forward some policy suggestions: advocate the establishment of special departments of supply chain finance, vigorously train the team of supply chain professionals, speed up the reserve of high-quality talents who can meet the requirements of supply chain financial business, reform the salary system and improve the enthusiasm of staff. Speed up the construction and cooperation of the new supply chain financial platform, make full use of the Internet platform to serve small and medium-sized enterprises, get rid of the dependence of the core enterprises, and actively cooperate with e-commerce enterprises to participate in the Internet financial competition. Through multiple measures to build a new Internet supply chain financial system.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33
本文编号：2498950
[Abstract]:As an important financial support for small and medium-sized enterprises, supply chain finance is constantly changing its form, providing more convenient services for small and medium-sized enterprises in a more complex form. How to give full play to the role of supply chain financial services small and medium-sized enterprises, effectively reduce the financing costs of small and medium-sized enterprises, improve the efficiency of the use of funds of small and medium-sized enterprises, is of great significance to promote the sustained and healthy development of China's economy. Through reading the literature and field investigation, this paper makes a deep study on the theory and practice of supply chain finance, combs the main problems existing in the supply chain financial business model and management mode, and puts forward some corresponding suggestions for improvement. Through the study, it is found that there are many problems in commercial banks with strong capital strength. Such as inflexible institutional setting, insufficient attention to supply chain financial instruments, unreasonable marketing direction; excessive dependence on core enterprises, conservative thinking, still relying on core enterprises to promote supply chain financial business, lack of adequate tolerance attitude towards competitors, can not actively compete with Internet finance (especially e-commerce) enterprises and take a positive attitude to cooperate. These make it difficult to establish a truly efficient and inclusive supply chain financial system. In view of the above problems, this paper analyzes and puts forward some policy suggestions: advocate the establishment of special departments of supply chain finance, vigorously train the team of supply chain professionals, speed up the reserve of high-quality talents who can meet the requirements of supply chain financial business, reform the salary system and improve the enthusiasm of staff. Speed up the construction and cooperation of the new supply chain financial platform, make full use of the Internet platform to serve small and medium-sized enterprises, get rid of the dependence of the core enterprises, and actively cooperate with e-commerce enterprises to participate in the Internet financial competition. Through multiple measures to build a new Internet supply chain financial system.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33
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