本文選題：商業(yè)銀行 + 中小企業(yè)��； 參考：《山東大學(xué)》2012年碩士論文

【摘要】：隨著我國(guó)市場(chǎng)經(jīng)濟(jì)的不斷發(fā)展,中小企業(yè)在我國(guó)的國(guó)民經(jīng)濟(jì)中扮演著越來(lái)越重要的角色,其在保證國(guó)民經(jīng)濟(jì)持續(xù)穩(wěn)定增長(zhǎng)、帶動(dòng)地區(qū)經(jīng)濟(jì)發(fā)展、增加就業(yè)、提高人民生活水平、擴(kuò)大財(cái)政收入、實(shí)現(xiàn)科技創(chuàng)新與成果轉(zhuǎn)化等方面,均發(fā)揮著越來(lái)越重要的作用。但與之形成強(qiáng)烈反差的是,我國(guó)中小企業(yè)的融資地位卻與其在國(guó)民經(jīng)濟(jì)中的地位與作用極不相稱(chēng)。一方面,融資難一直是制約中小企業(yè)發(fā)展的主要瓶頸,中小企業(yè)融資難問(wèn)題嚴(yán)重制約了我國(guó)經(jīng)濟(jì)結(jié)構(gòu)的調(diào)整和整體經(jīng)濟(jì)效益的提高；另一方面,商業(yè)銀行已經(jīng)開(kāi)始逐步意識(shí)到客戶(hù)結(jié)構(gòu)調(diào)整的重要性,已經(jīng)開(kāi)始逐步將重點(diǎn)轉(zhuǎn)向中小企業(yè),但由于彼此之間信息不對(duì)稱(chēng),商業(yè)銀行對(duì)中小企業(yè)又存在著想貸又不敢貸的困惑,雙方已經(jīng)互相吸引,卻缺乏互通的橋梁。因此如何解決中小企業(yè)融資難、解除商業(yè)銀行對(duì)中小企業(yè)想貸又不敢貸的困惑,已經(jīng)成為金融界和企業(yè)界必須面前對(duì)和亟待解決的重大課題。 供應(yīng)鏈金融作為專(zhuān)門(mén)為中小企業(yè)量身定做的一種新型融資模式,可以將資金流有效地整合到供應(yīng)鏈管理中來(lái),不僅為供應(yīng)鏈各個(gè)環(huán)節(jié)的弱勢(shì)企業(yè)提供新型貸款融資服務(wù),而且又通過(guò)金融資本與實(shí)業(yè)經(jīng)濟(jì)協(xié)作,構(gòu)筑其銀行、企業(yè)和商品供應(yīng)鏈三者之間互利共存、持續(xù)發(fā)展、良性互動(dòng)的產(chǎn)業(yè)生態(tài)�；诖�,本文首先回顧了國(guó)內(nèi)外中小企業(yè)融資問(wèn)題的相關(guān)文獻(xiàn),然后分析了中小企業(yè)融資的現(xiàn)狀和中小企業(yè)融資難的原因。在此基礎(chǔ)上,本文闡述了供應(yīng)鏈管理和銀行供應(yīng)鏈融資的概念,證明了供應(yīng)鏈融資產(chǎn)品的必要性和相關(guān)價(jià)值,介紹了供應(yīng)鏈融資模式及供應(yīng)鏈融資的特征,并以PF銀行最近推出的供應(yīng)鏈融資產(chǎn)品為案例,對(duì)供應(yīng)鏈融資進(jìn)行實(shí)證分析。理論分析和案例分析的結(jié)果均表明,供應(yīng)鏈融資能極為有力地幫助商業(yè)銀行提高服務(wù)中小企業(yè)的能力,并能夠降低融資風(fēng)險(xiǎn),銀行與企業(yè)的雙贏是可行又有效的。最后,本文還對(duì)供應(yīng)鏈融資的風(fēng)險(xiǎn)情況進(jìn)行分析,指出其存在的風(fēng)險(xiǎn)點(diǎn),并通過(guò)對(duì)供應(yīng)鏈融資產(chǎn)品的風(fēng)險(xiǎn)控制,合理利用供應(yīng)鏈融資。
[Abstract]:With the continuous development of our market economy, small and medium-sized enterprises play an increasingly important role in the national economy of our country. They play an increasingly important role in ensuring the sustained and stable growth of the national economy, promoting regional economic development, increasing employment, and improving the living standards of the people. Expanding financial revenue and realizing scientific and technological innovation and transformation of achievements are playing more and more important roles. However, the financing status of small and medium-sized enterprises in China is out of proportion to their position and role in the national economy. On the one hand, the difficulty of financing has been the main bottleneck restricting the development of small and medium-sized enterprises. On the other hand, it has seriously restricted the adjustment of the economic structure and the improvement of the overall economic efficiency of our country. Commercial banks have begun to gradually realize the importance of customer structure adjustment, have begun to focus on small and medium-sized enterprises gradually, but due to the information asymmetry between each other, commercial banks are confused about SMEs who want to borrow or dare not to borrow. The two sides have attracted each other, but lack of bridges. Therefore, how to solve the financing difficulties of small and medium-sized enterprises and how to relieve the confusion that commercial banks want to borrow but do not dare to borrow has become an important subject that must be solved in front of the financial and business circles. Supply chain finance, as a new type of financing mode specially tailored for small and medium-sized enterprises, can effectively integrate capital flow into supply chain management, and not only provide new loan financing services for vulnerable enterprises in every link of supply chain. Moreover, through the cooperation of financial capital and industrial economy, the industrial ecology of mutual benefit coexistence, sustainable development and benign interaction among banks, enterprises and commodity supply chain is constructed. Based on this, this paper first reviews the domestic and foreign literature on the financing of SMEs, and then analyzes the current situation of SMEs' financing and the reasons for the difficulty of SMEs' financing. On this basis, this paper expounds the concepts of supply chain management and bank supply chain financing, proves the necessity and value of supply chain financing products, and introduces the supply chain financing mode and the characteristics of supply chain financing. Taking PF Bank's recently launched supply chain financing products as an example, this paper makes an empirical analysis of supply chain financing. The results of both theoretical analysis and case study show that the supply chain financing can help commercial banks to improve their ability to serve SMEs and reduce the risk of financing. The win-win situation between banks and enterprises is feasible and effective. Finally, this paper analyzes the risk of supply chain financing, points out its risk points, and through the supply chain financing products risk control, reasonable use of supply chain financing.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F274;F832.4;F276.3

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