M银行供应链融资业务研究

发布时间：2018-10-19 19:06

【摘要】：伴随着国家十三五计划的大力推进,我国经济结构调整与改革开放不断深入,中小企业作为国民经济的重要组成部分,其在经济建设中所起的作用也日益显著。中小企业已经逐渐成为拉动内需,刺激消费,促进经济发展的关键,除此之外,中小企业还能够为社会提供一定的工作岗位,维护社会稳定,部分创新型中小企业甚至可以成为新领域、新产业的生力军。但是,中小企业的发展状况却不容乐观,中小企业由于规模小、资金少、技术落后,其在融资方面一直以来都缺乏相应支持,中小企业融资难已经成为制约中小企业快速发展的主要问题。如何解决中小企业难问题,如何扶持中小企业成长等问题已成为国家政策性问题,而此问题直接影响我国的经济发展与结构调整。本文首先从理论阐述了供应链融资方式,此类融资方式能够给中小企业在融资方面带来一定的帮助。同时相比常规的融资方式存在的明显优势。其次,在文中同时介绍了国内的银行界对供应链融资所采取的积极态度,主要通过介绍M银行的供应链融资业务的发展。通过对M银行的供应链融资业务的研究,从而得出分析结论,通过结论引发出相关的启示,启示包含了各个行业,各个角度,各个经济角色。通过本文的研究能够对中小企业的融资给出一定的意见。由于供应链融资的特殊性,中小企业如能够利用供应链融资的方式,能够减少企业,银行,国家的风险损失。本文共分为五个部分,第一部分介绍了我国中小企业供应链融资的大环境以及相关理论研究进程。第二部分对供应链融资的起源、含义、种类进行了介绍,后对供应链融资业务的风险控制理论以及产品营销理论均展开了介绍。第三部分对M银行以及M银行的业务发展现状进行了详细的描述,更重要的是分析了M银行开展供应链融资业务所存在的问题及原因。第四部分主要针对M银行出现的问题给出建议及保障措施。第五部分对M银行的业务实例进行分析,并着重列举了经典案例给我们带来的启示,结合目前我国中小企业供应链融资存在的问题,进行了较为深入的探讨与分析,并提出建议,同时结合笔者的实际工作给出了关于银行端,金融政策方面的建议。
[Abstract]:With the promotion of the 13th Five-Year Plan, China's economic restructuring and reform and opening up continue to deepen. As an important part of the national economy, small and medium-sized enterprises play a more and more important role in economic construction. Small and medium-sized enterprises have gradually become the key to stimulating domestic demand, stimulating consumption, and promoting economic development. In addition, small and medium-sized enterprises can also provide certain jobs for society and maintain social stability. Some innovative small and medium-sized enterprises can even become new areas, new industries. However, the development of small and medium-sized enterprises is not optimistic. Because of their small scale, small capital and backward technology, they have been lack of corresponding support in financing. The financing difficulty of small and medium-sized enterprises has become the main problem restricting the rapid development of small and medium-sized enterprises. How to solve the difficult problem of small and medium-sized enterprises and how to support the growth of small and medium-sized enterprises has become a national policy problem, which directly affects the economic development and structural adjustment of our country. This paper first expounds the supply chain financing method from the theory, this kind of financing way can bring the certain help to the small and medium-sized enterprise in the aspect of financing. At the same time, there are obvious advantages over conventional financing. Secondly, this paper also introduces the positive attitude of domestic banks to supply chain financing, mainly through the introduction of M Bank's development of supply chain financing business. Through the research on the supply chain financing business of M Bank, the conclusion of the analysis is drawn, and the relevant enlightenment is obtained through the conclusion, which includes various industries, various angles, and various economic roles. Through the research of this paper, we can give some opinions on the financing of small and medium enterprises. Because of the particularity of supply chain financing, if small and medium-sized enterprises can make use of supply chain financing, they can reduce the risk loss of enterprises, banks and countries. This paper is divided into five parts. The first part introduces the environment of SMEs supply chain financing and related theoretical research process. The second part introduces the origin, meaning and types of supply chain financing, and then introduces the risk control theory of supply chain financing and the theory of product marketing. The third part describes the current situation of M Bank and M Bank in detail. More importantly, it analyzes the problems and causes of M Bank developing supply chain financing business. The fourth part mainly gives the suggestion and the safeguard measure to the problem which the M bank appears. The fifth part analyzes the business examples of M Bank, and enumerates the enlightenment brought to us by the classic cases, combined with the problems existing in the supply chain financing of small and medium-sized enterprises in our country at present, carries on the comparatively thorough discussion and the analysis. At the same time, some suggestions on bank and financial policy are given in combination with the author's practical work.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F276.3

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