本文選題：中小企業(yè)融資　切入點(diǎn)：供應(yīng)鏈融資　出處：《中國(guó)海洋大學(xué)》2009年碩士論文

【摘要】： 中小企業(yè)是國(guó)民經(jīng)濟(jì)發(fā)展中的重要推動(dòng)力量,在吸納社會(huì)富余勞動(dòng)力、推動(dòng)技術(shù)進(jìn)步方面都起到了舉足輕重的作用。然而目前在我國(guó),有超過(guò)80%的中小企業(yè)由于各種原因面臨融資難問(wèn)題。如何幫助他們盡快走出融資困境,促進(jìn)他們發(fā)展,成為目前我國(guó)亟待解決的問(wèn)題。當(dāng)前,對(duì)于解決中小企業(yè)融資難題的研究仍然集中在加快信用擔(dān)保體系建設(shè)、建立面向于中小企業(yè)的專(zhuān)門(mén)的金融服務(wù)機(jī)構(gòu)等方面,根據(jù)目前國(guó)內(nèi)金融市場(chǎng)的發(fā)展?fàn)顩r,要通過(guò)以上途徑使中小企業(yè)融資難問(wèn)題得到解決仍需要相當(dāng)長(zhǎng)的一段時(shí)間。因此,通過(guò)創(chuàng)新發(fā)展中小企業(yè)融資業(yè)務(wù),根據(jù)中小企業(yè)融資的特點(diǎn)和特殊需求對(duì)金融產(chǎn)品進(jìn)行創(chuàng)新和設(shè)計(jì)更為合理的融資方案,才是緩解中小企業(yè)融資困難切實(shí)可行的方法。 本文從分析當(dāng)前我國(guó)中小企業(yè)在融資過(guò)程中的特點(diǎn)及困難成因著手,進(jìn)而分析了當(dāng)前主要融資模式在解決中小企業(yè)融資問(wèn)題時(shí)的局限性,通過(guò)分析指出了這些融資模式在授信方式、融資對(duì)象、銀企關(guān)系三個(gè)方面的不足之處。筆者認(rèn)為,解決中小企業(yè)融資困難可以通過(guò)在信貸市場(chǎng)上尋找更多融資需求企業(yè)的相關(guān)合作者或者利益相關(guān)者,通過(guò)特殊機(jī)制的建立,使他們能夠來(lái)共同分擔(dān)中小企業(yè)融資中的風(fēng)險(xiǎn)。供應(yīng)鏈金融即是以上思想的實(shí)現(xiàn),在該種模式下商業(yè)銀行通過(guò)借助與中小企業(yè)有產(chǎn)業(yè)合作關(guān)系的大企業(yè)的擔(dān)保、或者以兩者之間的購(gòu)銷(xiāo)合同為擔(dān)保,來(lái)共同分擔(dān)中小企業(yè)貸款風(fēng)險(xiǎn)。論文在第三部分對(duì)目前三種主要供應(yīng)鏈融資模式的內(nèi)涵和運(yùn)作機(jī)理作了介紹,并對(duì)三種模式進(jìn)行了比較分析。最后,本文從擴(kuò)大融資范圍,提高融資效率和降低融資風(fēng)險(xiǎn)的角度出發(fā),建立了基于“N+1+N”共贏鏈理念的新型應(yīng)收賬款融資模式,并通過(guò)案例對(duì)比分析得出改進(jìn)后的融資模式在解決中小企業(yè)融資困難方面相比當(dāng)前模式的比較優(yōu)勢(shì)。 論文以理論研究和案例分析相結(jié)合,以此基礎(chǔ)上得出結(jié)論:在我國(guó)目前的經(jīng)濟(jì)發(fā)展?fàn)顩r下,進(jìn)一步發(fā)展和完善供應(yīng)鏈金融服務(wù)是解決我國(guó)中小企業(yè)融資問(wèn)題的有效途徑之一。
[Abstract]:Small and medium-sized enterprises (SMEs) play an important role in the development of national economy and play an important role in absorbing surplus labor force and promoting technological progress.However, in China, more than 80% of SMEs are facing financing problems due to various reasons.How to help them out of the financing dilemma as soon as possible and promote their development has become an urgent problem in our country.At present, the research on solving the financing problems of SMEs is still focused on speeding up the construction of credit guarantee system and establishing specialized financial service institutions for SMEs. According to the current development situation of domestic financial market,It will take a long time to solve the financing problem of SMEs through the above ways.Therefore, developing SME financing business through innovation, innovating financial products and designing more reasonable financing schemes according to the characteristics and special needs of SME financing are the feasible ways to alleviate the financing difficulties of SMEs.This paper begins with the analysis of the characteristics and causes of difficulties in the financing process of SMEs in our country, and then analyzes the limitations of the main financing modes in solving the financing problems of SMEs.Through the analysis, the paper points out the deficiency of these financing modes in three aspects: credit mode, financing object and the relationship between banks and enterprises.In my opinion, to solve the financing difficulties of small and medium-sized enterprises, we can find more partners or stakeholders of enterprises with financing needs in the credit market, through the establishment of special mechanisms.Enable them to share the risks in SME financing.Supply chain finance is the realization of the above ideas. In this mode, commercial banks guarantee by means of large enterprises that have industrial cooperation with small and medium-sized enterprises, or by purchasing and selling contracts between them.To share the risk of small and medium-sized loans.In the third part, the connotation and operation mechanism of the three main supply chain financing modes are introduced, and the three modes are compared and analyzed.Finally, from the angle of enlarging the scope of financing, improving the efficiency of financing and reducing the risk of financing, this paper establishes a new model of accounts receivable financing based on the concept of "N 1N" win-win chain.And through the comparative analysis of cases, the improved financing model in solving the financing difficulties of small and medium-sized enterprises compared with the current model comparative advantage.On the basis of theoretical research and case analysis, this paper draws a conclusion that further development and perfection of supply chain financial services is one of the effective ways to solve the financing problems of SMEs in China.
【學(xué)位授予單位】：中國(guó)海洋大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2009
【分類(lèi)號(hào)】：F275

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前4條

1 王欣;基于系統(tǒng)動(dòng)力學(xué)的供應(yīng)鏈融資模式研究[D];沈陽(yáng)大學(xué);2011年

2 賀丹;成都GRXX供應(yīng)鏈融資模式研究[D];電子科技大學(xué);2011年

3 李亮;農(nóng)村住房建設(shè)項(xiàng)目政府融資研究[D];山東大學(xué);2010年

4 秦書(shū)亞;基于供應(yīng)鏈聯(lián)盟的營(yíng)運(yùn)資金管理創(chuàng)新研究[D];中國(guó)海洋大學(xué);2012年

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本文編號(hào)：1719279