基于信用保险的中小企业供应链金融融资研究

发布时间：2018-11-03 15:09

【摘要】：中小企业发展能够加快我国经济结构调整速度,同时增加就业机会、增加税收、增加出口。因此,中小企业已经成为拉动我国经济增长的重要力量。融资难问题是中小企业发展中面临的最大瓶颈,现有的供应链金融模式存在着形式相对单一,定价过高,风险较高等问题,不能完全匹配目前环境下中小企业的融资需求。本文尝试引入信用保险来解决中小企业的融资瓶颈,依靠发展中小企业信用保险来解决融资瓶颈,提供了一条解决中小企业融资困难的新途径。首先,论文对中小企业融资的需求现状进行了分析。由于规模和自身特征,中小企业有着强烈融资需求。它们由于在供应链中扮演的角色、重要性不同,融资需求也有所不同。在对现有的供应链金融产品进行分析后,我们发现,由于现有供应链金融模式相对固定且定价过高,不能有效的降低中小企业融资业务中的风险,因此现有供应链金融不能满足中小企业的融资需要。其次,论文对信用保险的概念和主要功能做出了介绍,然后通过分析近年保险市场的保费收入和赔付额等数据,证明了信用保险市场远未饱和,有较大的发展前景。进一步介绍了信用保险支持下的零售商融资模式和供应商模式,分析了基于信用保险的供应链融资模式在增强中小企业对外部冲击的抵抗能力、行业竞争力、融资能力和降低风险、扩大业务范围等方面的作用。通过分析可以发现,基于信用保险的供应链金融是解决中小企业融资难问题的一个有效途径。然后,本文通过对汽车配件商X公司采用基于信用保险融资案例进行分析。X公司由于自身遇上下游的结算方式和自身业务特点,在传统的融资方案下难以得到融资支持。而在采用基于信用保险融资方案后,上下游的信用风险得到了有效的控制,同时由于保险公司的加入,也提高了银行和企业的风险把控能力,使得X公司融资问题都得到解决。最后,得出了本章的结论并提出了展望。在目前的市场中,基于信用保险的供应链金融模式可以较好解决中小企业融资困难的问题。但我国市场情况复杂,因此供应链融资可以不拘泥于单一形式,一定要跟据融资企业的自身不同情况,从而进行灵活的组合,制定最为适合公司业务特点的方案,使我国信用市场和融资市场得到实质的发展。
[Abstract]:The development of small and medium-sized enterprises can speed up the adjustment of China's economic structure, at the same time, increase employment opportunities, increase taxes and increase exports. Therefore, small and medium-sized enterprises have become an important force to stimulate the economic growth of our country. Financing difficulty is the biggest bottleneck in the development of small and medium-sized enterprises. The existing supply chain financial model has some problems, such as relatively single form, high pricing, high risk and so on, which can not fully match the financing needs of SMEs in the current environment. This paper attempts to introduce credit insurance to solve the financing bottleneck of small and medium-sized enterprises, and to solve the financing bottleneck by developing credit insurance of small and medium-sized enterprises, which provides a new way to solve the financing difficulties of small and medium-sized enterprises. First of all, the paper analyzes the status quo of the financing needs of SMEs. Because of its scale and its own characteristics, SMEs have strong financing needs. Because of their role in the supply chain, they have different importance and different financing needs. After analyzing the existing supply chain financial products, we find that because the current supply chain financial model is relatively fixed and pricing is too high, it can not effectively reduce the risk in the financing business of small and medium-sized enterprises. Therefore, the existing supply chain finance can not meet the financing needs of SMEs. Secondly, the paper introduces the concept and main functions of credit insurance, and then proves that the credit insurance market is far from saturated and has a great development prospect by analyzing the data of premium income and indemnity in the insurance market in recent years. This paper further introduces the financing model of retailers and suppliers under the support of credit insurance, analyzes the supply chain financing model based on credit insurance to enhance the ability of small and medium-sized enterprises to resist external shocks, and the competitiveness of the industry. Financing capacity and risk reduction, expanding the scope of business and other aspects of the role. It can be found that supply chain finance based on credit insurance is an effective way to solve the financing problem of SMEs. Then, this paper analyzes the case of X Company based on credit insurance, which is difficult to get financing support under the traditional financing scheme because of its own settlement and business characteristics. After adopting the scheme of credit insurance financing, the credit risk of upstream and downstream has been effectively controlled. At the same time, the risk control ability of banks and enterprises has been improved because of the participation of insurance companies, and the financing problems of X Company have been solved. Finally, the conclusion of this chapter is drawn and the prospect is put forward. In the current market, the supply chain finance model based on credit insurance can solve the financing difficulties of SMEs. However, the market situation in our country is complex, so supply chain financing can not be confined to a single form, it must be different from the situation of the financing enterprises themselves, so as to carry out a flexible combination and formulate the scheme that is most suitable for the business characteristics of the company. Make our country credit market and financing market get substantial development.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F276.3;F832

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