【摘要】：從我國開始全面落實(shí)改革開放政策以來，，中小企業(yè)發(fā)展迅速，為我國經(jīng)濟(jì)的進(jìn)一步發(fā)展起到了決定性的作用，解決了我國經(jīng)濟(jì)發(fā)展緩慢、就業(yè)困難、經(jīng)濟(jì)不穩(wěn)定等問題。但是，“融資難”的問題也成為整個(gè)中小企業(yè)群體有待解決的問題。近年來，國內(nèi)眾多學(xué)者都在為解決中小企業(yè)融資難的問題而不斷努力，在此過程中學(xué)者們發(fā)現(xiàn)中小企業(yè)的資金需求主要為供應(yīng)鏈。因此中小企業(yè)作為供應(yīng)鏈中的一部分，要從供應(yīng)鏈這個(gè)整體出發(fā)，以尋求解決問題的方法。 供應(yīng)鏈金融從供應(yīng)鏈的整體角度出發(fā)，借助核心企業(yè)的信用，將供應(yīng)鏈的企業(yè)存貨轉(zhuǎn)化為資金，填補(bǔ)供應(yīng)鏈內(nèi)部中小企業(yè)的資金缺口，對資金的可得性和成本進(jìn)行系統(tǒng)性優(yōu)化的過程。這種優(yōu)化主要是通過供應(yīng)鏈內(nèi)的信息流進(jìn)行歸集、整合、打包和利用的過程中，嵌入成本分析、成本管理和各種融資手段而實(shí)現(xiàn)的。通過構(gòu)建供應(yīng)鏈，為中小企業(yè)融資過程中面臨的高風(fēng)險(xiǎn)、高投入問題提供了新的解決方法。近年來，供應(yīng)鏈金融作為商業(yè)銀行的一項(xiàng)新業(yè)務(wù)，從整體角度出發(fā)，通過分析行業(yè)的特點(diǎn)和鏈條之間的關(guān)系，設(shè)定合理有效的融資方案，將資金注入到供應(yīng)鏈中，為中小企業(yè)創(chuàng)造出高效的融資平臺(tái)，為中小企業(yè)的發(fā)展提供充足的資金支持。 本文從國內(nèi)外對供應(yīng)鏈金融研究現(xiàn)狀出發(fā)，闡述供應(yīng)鏈金融的發(fā)展前景。分析供應(yīng)鏈金融對中小企業(yè)融資的積極作用。結(jié)合目前我國中小企業(yè)發(fā)展中存在的問題，包括政府政策方面、商業(yè)銀行方面以及中小企業(yè)自身方面，總結(jié)出我國中小企業(yè)發(fā)展緩慢的原因。進(jìn)而應(yīng)用供應(yīng)鏈金融，從以上幾個(gè)方面得出相應(yīng)的對策。
[Abstract]:Since China began to implement the policy of reform and opening up in an all-round way, small and medium-sized enterprises have developed rapidly, played a decisive role in the further development of China's economy, and solved the problems of slow economic development, employment difficulties, economic instability and so on. However, the problem of financing difficulties has also become a problem to be solved by the whole group of small and medium-sized enterprises. In recent years, many scholars in China are trying to solve the problem of financing difficulties of SMEs. In this process, scholars find that the capital needs of SMEs are mainly supply chain. Therefore, as a part of the supply chain, small and medium-sized enterprises should start from the supply chain as a whole in order to find a solution to the problem. From the overall point of view of supply chain finance, with the help of the credit of core enterprises, the inventory of supply chain enterprises is transformed into funds, which fills the capital gap of small and medium-sized enterprises in the supply chain, and systematically optimizes the availability and cost of funds. This optimization is mainly realized by embedding cost analysis, cost management and various financing means in the process of collecting, integrating, packaging and utilizing the information flow in the supply chain. Through the construction of supply chain, it provides a new solution to the problem of high risk and high investment in the financing process of small and medium-sized enterprises. In recent years, supply chain finance, as a new business of commercial banks, from the overall point of view, through the analysis of the characteristics of the industry and the relationship between chains, set up a reasonable and effective financing scheme, inject funds into the supply chain, create an efficient financing platform for small and medium-sized enterprises, and provide sufficient financial support for the development of small and medium-sized enterprises. Based on the research status of supply chain finance at home and abroad, this paper expounds the development prospect of supply chain finance. This paper analyzes the positive effect of supply chain finance on the financing of small and medium-sized enterprises. Combined with the problems existing in the development of small and medium-sized enterprises in China, including government policy, commercial banks and small and medium-sized enterprises themselves, this paper summarizes the reasons for the slow development of small and medium-sized enterprises in China. Then the application of supply chain finance, from the above aspects to get the corresponding countermeasures.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4;F275;F276.3

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