基于物流金融的潍坊市中小企业融资研究
发布时间：2018-08-12 11:51
【摘要】：中小企业是国民经济中最具有活力的组成部分,改革开放以来,潍坊市中小企业得到蓬勃发展,迅速发展壮大。目前,潍坊市中小企业总数已达5万家,占企业总数的95%以上。其在海洋化工、动力机械、农用运输车、服装及装饰面料、电子通讯及信息处理、化学纤维、新型建筑材料、医药及保健品、食品饮料、造纸包装等潍坊市十大产业中均占有较大的市场份额,在潍坊市的经济发展中占据越来越重要的地位。但是中小企业在发展过程中融资难的问题也日益突出,成为了潍坊市中小企业发展的瓶颈,严重制约着潍坊中小企业的发展,这主要是由于中小企业本身的规模、信誉等方面的质素有限,无法获得银行的信用贷款,同时由于其优质资产不足,在贷款时无法提供优良的抵押品和担保措施,导致中小企业从银行贷款的难度很大,大部分中小企业依赖于民间借贷,而民间借贷由于其不稳定性并不能解决中小企业的融资难题。随着物流业的不断发展,一些学者提出物流金融可以解决这一融资难题。 本文在前人研究的基础上,通过阅读大量的国内外参考文献,总结概括了在中小企业融资领域和物流金融领域前人相关的研究成果。并在初步了解了潍坊市中小企业的发展状况的基础上,通过调查问卷的方法实地走访了山东省潍坊市内的有代表性的60家中小企业,得到了第一手的资料,通过这些资料分析了潍坊中小企业融资过程中存在的突出问题,并运用模糊综合评判法对潍坊市中小企业融资过程中不同的融资方式进行比较分析,发现对于潍坊市中小企业而言物流金融是最优融资方式。然后结合潍坊市的经济法律环境,并运用徐明川于2006年提出的博弈模型证明了物流金融在潍坊中小企业融资中的可行性。最后引入了潍坊银行钢材物流金融事业部开展物流金融的案例,通过该案例总结了在运用物流金融对中小企业融资过程中存在的风险,并提出了相应的风险控制对策。
[Abstract]:Small and medium-sized enterprises are the most dynamic part of the national economy. Since the reform and opening up, Weifang small and medium-sized enterprises have been booming and growing rapidly. At present, the total number of small and medium-sized enterprises in Weifang has reached 50,000, accounting for more than 95% of the total number of enterprises. In marine chemical industry, power machinery, agricultural transport vehicle, clothing and decorative fabric, electronic communication and information processing, chemical fiber, new building materials, medicine and health products, food and beverage, The ten industries in Weifang, such as papermaking and packaging, occupy a larger market share and occupy a more and more important position in the economic development of Weifang. However, the problem of financing difficulties in the development of small and medium-sized enterprises has become increasingly prominent, which has become the bottleneck of the development of small and medium-sized enterprises in Weifang, and has seriously restricted the development of small and medium-sized enterprises in Weifang. This is mainly due to the size of the small and medium-sized enterprises themselves. The quality of credit, such as credit, is limited and it is impossible to obtain credit loans from banks. At the same time, because of their insufficient quality assets, they are unable to provide good collateral and guarantee measures when making loans, which makes it very difficult for small and medium-sized enterprises to borrow from banks. Most SMEs rely on private lending, and private lending can not solve the financing problem of SMEs because of its instability. With the development of logistics industry, some scholars propose that logistics finance can solve this financing problem. On the basis of previous studies, this paper summarizes the related research results in the field of SME financing and logistics finance by reading a large number of references at home and abroad. And on the basis of preliminary understanding of the development of small and medium-sized enterprises in Weifang City, through the method of questionnaire, we have visited 60 representative small and medium-sized enterprises in Weifang City, Shandong Province, and obtained first-hand information. Through these data, this paper analyzes the outstanding problems in the process of financing of Weifang small and medium-sized enterprises, and makes a comparative analysis of different financing methods in the process of financing of small and medium-sized enterprises in Weifang by using the fuzzy comprehensive evaluation method. It is found that logistics finance is the best financing method for small and medium enterprises in Weifang. Then combining the economic and legal environment of Weifang City and using the game model proposed by Xu Mingchuan in 2006, the feasibility of logistics finance in Weifang SME financing is proved. Finally, the paper introduces the case of Weifang Bank Steel Logistics Financial Division to carry out logistics finance, summarizes the risks in the process of using logistics finance to finance small and medium-sized enterprises, and puts forward the corresponding risk control countermeasures.
【学位授予单位】：安徽理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F252;F275;F276.3;F832.4
本文编号：2178975
[Abstract]:Small and medium-sized enterprises are the most dynamic part of the national economy. Since the reform and opening up, Weifang small and medium-sized enterprises have been booming and growing rapidly. At present, the total number of small and medium-sized enterprises in Weifang has reached 50,000, accounting for more than 95% of the total number of enterprises. In marine chemical industry, power machinery, agricultural transport vehicle, clothing and decorative fabric, electronic communication and information processing, chemical fiber, new building materials, medicine and health products, food and beverage, The ten industries in Weifang, such as papermaking and packaging, occupy a larger market share and occupy a more and more important position in the economic development of Weifang. However, the problem of financing difficulties in the development of small and medium-sized enterprises has become increasingly prominent, which has become the bottleneck of the development of small and medium-sized enterprises in Weifang, and has seriously restricted the development of small and medium-sized enterprises in Weifang. This is mainly due to the size of the small and medium-sized enterprises themselves. The quality of credit, such as credit, is limited and it is impossible to obtain credit loans from banks. At the same time, because of their insufficient quality assets, they are unable to provide good collateral and guarantee measures when making loans, which makes it very difficult for small and medium-sized enterprises to borrow from banks. Most SMEs rely on private lending, and private lending can not solve the financing problem of SMEs because of its instability. With the development of logistics industry, some scholars propose that logistics finance can solve this financing problem. On the basis of previous studies, this paper summarizes the related research results in the field of SME financing and logistics finance by reading a large number of references at home and abroad. And on the basis of preliminary understanding of the development of small and medium-sized enterprises in Weifang City, through the method of questionnaire, we have visited 60 representative small and medium-sized enterprises in Weifang City, Shandong Province, and obtained first-hand information. Through these data, this paper analyzes the outstanding problems in the process of financing of Weifang small and medium-sized enterprises, and makes a comparative analysis of different financing methods in the process of financing of small and medium-sized enterprises in Weifang by using the fuzzy comprehensive evaluation method. It is found that logistics finance is the best financing method for small and medium enterprises in Weifang. Then combining the economic and legal environment of Weifang City and using the game model proposed by Xu Mingchuan in 2006, the feasibility of logistics finance in Weifang SME financing is proved. Finally, the paper introduces the case of Weifang Bank Steel Logistics Financial Division to carry out logistics finance, summarizes the risks in the process of using logistics finance to finance small and medium-sized enterprises, and puts forward the corresponding risk control countermeasures.
【学位授予单位】：安徽理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F252;F275;F276.3;F832.4
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