蚌埠市应收账款融资服务平台发展状况调研报告

发布时间：2018-06-03 14:04

本文选题：应收账款融资 + 服务平台　；参考：《安徽财经大学》2017年硕士论文

【摘要】：国内金融市场实践和国际经验表明,应收账款融资是缓解中小微企业融资难的有效方式。中国人民银行征信中心于2013年组织建成应收账款融资服务平台,通过互联网为应收账款的债权人、债务人和资金提供方等参与机构提供信息合作服务,方便更多应收账款和机构参与到应收账款融资业务中来,推动应收账款融资业务的创新和中小微企业融资难问题的解决,在全国范围内已经取得较好成果。本文选择蚌埠市对应收账款融资服务平台发展状况展开调研。具体的,本文首先对调研背景与意义、调研安排进行阐述,根据调研背景及意义中提出的蚌埠市中小微企业利用平台开展应收账款融资业务参与度不高的问题,确定了本文的主要调研方向。接下来,本文分别对应收账款融资服务平台在全国的运行情况以及在蚌埠市的运行情况展开分析。从全国运行情况来看,应收账款融资服务平台推广应用工作持续推进,业务规模持续扩大,有超过60%的资金流入中小微企业,平台现有的两种融资模式得到较好运用,平台功能较好发挥。就蚌埠市的运行情况来看,蚌埠市境内具备开展应收账款融资业务的银行网点基本已经在平台完成注册,资金需求方用户也已成功注册三百多户,实证研究也表明平台的加入对小微企业获得融资具有正向促进作用,但就资金流向来看,占比低于20%的大型企业获得了蚌埠市超过70%的应收账款融资资金,更多的中小微企业并未获得满足,因此,本文选择通过调研的方式来了解蚌埠市各参与机构对平台的态度、了解中小微企业参与度不高的原因。本次调研主要选择问卷调查的方式,分别对蚌埠市境内应收账款融资服务平台的资金提供方和资金需求方展开调查,双方调查结果突出以下问题:相关法律法规的不完善限制了应收账款融资业务的发展、参与机构认知度不够降低了银行和企业的参与意愿、平台功能的不完善阻碍了平台的实际运用。在最后,针对蚌埠市应收账款融资服务平台在发展过程中发现的这些问题提出对策建议,一是要完善法律法规,对应收账款融资业务各项流程进行规定,明确责任;二是要进一步加强宣传,提升企业认知度,既要充分发挥相关工作人员的主观能动性也要积极运用手机公众号等小工具;三是要进一步加速对平台功能的开发,让平台能够对接更多信息服务窗口。
[Abstract]:Domestic financial market practice and international experience show that accounts receivable financing is an effective way to alleviate the financing difficulties of SMEs. In 2013, the credit information center of the people's Bank of China organized the establishment of the accounts Receivable financing Service platform, which provides information cooperation services for creditors, debtors and fund providers of accounts receivable through the Internet. It is convenient for more accounts receivable and institutions to participate in the accounts receivable financing business, promote the innovation of accounts receivable financing business and solve the financing difficulties of small and medium-sized enterprises, and have achieved good results in the whole country. This paper chooses Bengbu City to investigate the development of accounts receivable financing service platform. Specifically, this paper first describes the research background and significance, research arrangements, according to the research background and significance of the small and medium-sized enterprises in Bengbu City using the platform to develop accounts receivable financing business participation is not high. The main research direction of this paper is determined. Then, this paper analyzes the operation of accounts receivable financing service platform in China and Bengbu City. From the point of view of the national operation, the extension and application of the accounts receivable financing service platform continues to advance, and the business scale continues to expand, with more than 60% of the funds flowing into small and medium-sized enterprises, and the two existing financing modes of the platform have been well utilized. The platform functions well. As far as the operation of Bengbu is concerned, banks in Bengbu that have the business of developing accounts receivable financing have basically completed registration on the platform, and users on the demand side of capital have also successfully registered more than 300 households. The empirical study also shows that the entry of the platform has a positive effect on the access of small and micro enterprises to finance, but in terms of the capital flow, the proportion of large enterprises with less than 20% of the capital received more than 70% of the accounts receivable financing funds in Bengbu. More small and medium-sized microenterprises are not satisfied. Therefore, this paper chooses to investigate the attitude of the participating organizations to the platform and understand the reasons for the low participation of small and medium-sized enterprises in Bengbu. This research mainly selects the questionnaire survey method, respectively carries out the investigation to the capital provider and the capital demand side of the domestic accounts receivable financing service platform in Bengbu. The findings of the two sides highlight the following problems: imperfect laws and regulations limit the development of accounts receivable financing business, and the lack of awareness of participating institutions reduces the willingness of banks and enterprises to participate. The imperfect function of the platform hinders the practical application of the platform. Finally, in view of the development of Bengbu accounts Receivable financing service platform found in the process of these problems, the first is to improve the laws and regulations, the accounts receivable financing business flow regulations, clear responsibility; Second, it is necessary to further strengthen publicity and enhance enterprise awareness, not only to give full play to the subjective initiative of relevant staff, but also to actively use mobile phone public numbers and other small tools; third, to further accelerate the development of platform functions. Allows the platform to dock more information service windows.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3;F275

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