【摘要】：中小企業(yè)是國(guó)民經(jīng)濟(jì)的重要組成部分，在國(guó)民經(jīng)濟(jì)中發(fā)揮著越來(lái)越重要的作用，包括擴(kuò)大就業(yè)、活躍市場(chǎng)、穩(wěn)定社會(huì)和調(diào)整國(guó)民經(jīng)濟(jì)結(jié)構(gòu)布局等方面。但是融資難問(wèn)題一直成為制約其發(fā)展的重要因素，傳統(tǒng)的融資模式已經(jīng)無(wú)法解決中小企業(yè)面臨的融資困境，商業(yè)銀行只能通過(guò)業(yè)務(wù)創(chuàng)新來(lái)發(fā)展這部分市場(chǎng)，而供應(yīng)鏈金融就是諸多創(chuàng)新融資模式的一種，一定程度上解決了其融資難的問(wèn)題。 供應(yīng)鏈金融作為一種新型的融資模式，它把供應(yīng)鏈上的相關(guān)企業(yè)作為一個(gè)整體，設(shè)定融資方案以交易中構(gòu)成的鏈條關(guān)系和行業(yè)特點(diǎn)為依據(jù)，由供應(yīng)鏈上的相關(guān)企業(yè)共同分擔(dān)融資風(fēng)險(xiǎn)。供應(yīng)鏈金融融資模式的創(chuàng)新主要體現(xiàn)在強(qiáng)調(diào)資金流在整個(gè)供應(yīng)鏈的地位，而不僅僅包括傳統(tǒng)的物流和信息流。在這一模式下，商業(yè)銀行借助了與中小企業(yè)有貿(mào)易關(guān)系的大企業(yè)的信用，并依靠第三方物流等企業(yè)發(fā)揮作用，共同分擔(dān)了對(duì)中小企業(yè)融資的風(fēng)險(xiǎn)，擴(kuò)大對(duì)中小企業(yè)的融資規(guī)模，契合了中小企業(yè)資金需求的特點(diǎn)，將中小企業(yè)、銀行、物流企業(yè)三者的創(chuàng)新巧妙結(jié)合起來(lái)。 本文的研究一共分為六個(gè)部分�？傮w上本文分為理論和實(shí)證兩個(gè)模塊，理論部分重點(diǎn)闡釋了供應(yīng)鏈金融理論的發(fā)展和現(xiàn)狀及其主要內(nèi)容，實(shí)證部分主要分析中信銀行唐山分行的供應(yīng)鏈金融的運(yùn)用和業(yè)務(wù)拓展，并結(jié)合具體的典型案例進(jìn)行分析。具體內(nèi)容如下： 第一部分是緒論。這一部分簡(jiǎn)要介紹了本文的研究背景和意義，明確了研究的問(wèn)題，突出了本文的研究方法和研究思路。 第二部分主要對(duì)中小企業(yè)融資的現(xiàn)狀和問(wèn)題進(jìn)行研究，并提出問(wèn)題，表明研究目的，并詳細(xì)分析中小企業(yè)融資難的原因。 第三部分闡釋供應(yīng)鏈金融理論的發(fā)展、現(xiàn)狀及其主要內(nèi)容。 第四部分主要根據(jù)中信銀行唐山分行的供應(yīng)鏈金融的運(yùn)用，并結(jié)合具體的典型案例進(jìn)行分析，總結(jié)分析了供應(yīng)鏈金融的在解決中小企業(yè)融資方面的積極作用。 第五部分主要是對(duì)供應(yīng)鏈金融在解決中小企業(yè)融資問(wèn)題中存在的問(wèn)題提出建議，從銀行和中小企業(yè)兩個(gè)主體的角度進(jìn)行分析。 第六部分為結(jié)論，對(duì)全篇論文進(jìn)行總結(jié)。 通過(guò)全文的分析，得出了供應(yīng)鏈金融是解決中小企業(yè)融資困難問(wèn)題的最佳途徑的結(jié)論。供應(yīng)鏈金融不僅在融資方式、融資途徑上做出了較大創(chuàng)新，，更是大大降低了中小企業(yè)的融資成本，實(shí)現(xiàn)了信息和資源的共享，對(duì)促進(jìn)解決中小企業(yè)融資困境、促進(jìn)中小企業(yè)的發(fā)展以及整個(gè)供應(yīng)鏈鏈條上各方的發(fā)展都做出了巨大貢獻(xiàn)。
[Abstract]:As an important part of the national economy, small and medium-sized enterprises play an increasingly important role in the national economy, including expanding employment, activating the market, stabilizing the society and adjusting the structural layout of the national economy. However, the problem of financing difficulties has been an important factor restricting the development of SMEs. The traditional financing model can no longer solve the financing difficulties faced by SMEs. Commercial banks can only develop this part of the market through business innovation. Supply chain finance is one of many innovative financing modes, which solves the problem of financing difficulty to some extent. Supply chain finance, as a new financing mode, takes the related enterprises in the supply chain as a whole, and establishes the financing scheme based on the chain relationship and industry characteristics formed in the transaction. Financing risk is shared by related enterprises in the supply chain. The innovation of financial financing mode of supply chain mainly embodies in emphasizing the position of capital flow in the whole supply chain, not including the traditional logistics and information flow. Under this model, commercial banks have used the credit of large enterprises with trade relationship with small and medium-sized enterprises, and relying on the third party logistics and other enterprises to play a role in sharing the risk of financing small and medium-sized enterprises, and expand the financing scale of small and medium-sized enterprises. In line with the characteristics of the capital demand of SMEs, the innovation of SMEs, banks and logistics enterprises is skillfully combined. This paper is divided into six parts. In general, this paper is divided into theoretical and empirical modules. The theoretical part focuses on the development and current situation of supply chain finance theory and its main content. The empirical part mainly analyzes the application and business expansion of supply chain finance in Tangshan Branch of CITIC Bank. And combined with specific typical cases to analyze. The specific contents are as follows: the first part is the introduction. This part briefly introduces the research background and significance, clarifies the research problems, and highlights the research methods and research ideas. In the second part, the present situation and problems of SME financing are studied, and the problems are put forward to show the purpose of the research, and the reasons for the difficulty of SME financing are analyzed in detail. The third part explains the development, current situation and main content of supply chain finance theory. The fourth part is mainly based on the application of supply chain finance in Tangshan Branch of CITIC Bank, and analyzes the positive role of supply chain finance in solving the financing of small and medium-sized enterprises. In the fifth part, the author puts forward some suggestions on how to solve the financing problems of small and medium-sized enterprises in supply chain finance, and analyzes them from the perspective of banks and small and medium-sized enterprises. The sixth part is the conclusion, carries on the summary to the entire thesis. Through the analysis of this paper, the conclusion that supply chain finance is the best way to solve the financing difficulties of small and medium-sized enterprises. Supply chain finance has not only made great innovation in financing methods and ways, but also greatly reduced the financing cost of small and medium-sized enterprises, realized the sharing of information and resources, and promoted the solution to the financing dilemma of small and medium-sized enterprises. To promote the development of small and medium-sized enterprises and the development of all parties in the supply chain have made great contributions.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F275;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 彭萬(wàn)浩;;解決中小企業(yè)融資難的對(duì)策及建議[J];甘肅金融;2006年10期

2 遲曉英,宣國(guó)良;正確理解供應(yīng)鏈與價(jià)值鏈的關(guān)系[J];工業(yè)工程與管理;2000年04期

3 李靖;中小企業(yè)融資問(wèn)題初探[J];決策探索;2005年06期

4 車璽玉;信息不對(duì)稱與中小民營(yíng)企業(yè)融資決策[J];經(jīng)濟(jì)理論與經(jīng)濟(jì)管理;2003年08期

5 吳九占;中小企業(yè)融資難的原因與對(duì)策分析[J];經(jīng)濟(jì)師;2003年05期

6 馬長(zhǎng)有;關(guān)于完善我國(guó)中小企業(yè)融資服務(wù)體系問(wèn)題的探討[J];經(jīng)濟(jì)問(wèn)題探索;2005年05期

7 林毅夫,李永軍;中小金融機(jī)構(gòu)發(fā)展與中小企業(yè)融資[J];經(jīng)濟(jì)研究;2001年01期

8 張立新;;中小企業(yè)融資困難問(wèn)題探析[J];中國(guó)集體經(jīng)濟(jì)(下半月);2007年10期

9 尤建新,王嵐,陳寶勝;信息不對(duì)稱與中小企業(yè)融資[J];同濟(jì)大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2003年03期

10 陳祥鋒,朱道立;現(xiàn)代物流金融服務(wù)創(chuàng)新——金融物流[J];物流技術(shù);2005年03期

相關(guān)碩士學(xué)位論文 前2條

1 譚啟華;我國(guó)中小企業(yè)信譽(yù)鏈融資模式研究[D];武漢理工大學(xué);2006年

2 楊明文;金融體系調(diào)整和金融產(chǎn)品創(chuàng)新與中小企業(yè)融資研究[D];山東大學(xué);2007年

本文編號(hào)：2264015