本文選題：供應鏈金融 + 核心企業(yè)　； 參考：《天津大學》2012年碩士論文

【摘要】：供應鏈金融業(yè)務定位于服務供應鏈上的廣大的中小企業(yè)，它緊緊圍繞核心企業(yè)展開，利用核心企業(yè)的強勢地位和資信優(yōu)勢，，整合了供應鏈上的信息流、物流和資金流，可以為鏈上企業(yè)提供全面的融資、物流等服務。它針對當前供應鏈上的中小企業(yè)整體實力和資信水平不高的現(xiàn)況，通過優(yōu)化現(xiàn)有的供應鏈上下游企業(yè)間的合作關系，將原來單個企業(yè)不可控的信用風險轉變?yōu)檎w供應鏈的可控風險。突破了銀行等金融機構以單一企業(yè)為授信主體的傳統(tǒng)授信模式，拓寬了銀行業(yè)務渠道，有效控制了信貸風險，為廣大中小企業(yè)解決“融資難”的問題提供了全新的方案。 我國銀行的供應鏈金融業(yè)務相對于國外起步較晚，相關的融資服務和融資產(chǎn)品都有待完善。供應鏈融資產(chǎn)品種類不多，很難適應廣大中小企業(yè)多種多樣的融資需求；另一方面國內(nèi)銀行對于供應鏈金融產(chǎn)品的定價缺乏實際經(jīng)驗，產(chǎn)品價格普遍過高，無法保證在銀行信貸風險可控的范圍內(nèi)實現(xiàn)融資企業(yè)的受益最大化，導致該金融創(chuàng)新很難在供應鏈上的中小企業(yè)間推廣；同時當前的供應鏈融資產(chǎn)品在實際的運營過程中還經(jīng)常會遇到各種各樣的問題，這又進一步影響了產(chǎn)品的運行效率和市場價值。如何在銀行信貸風險可控的范圍內(nèi)優(yōu)化供應鏈融資產(chǎn)品結構；提高產(chǎn)品運營效率；實現(xiàn)產(chǎn)品價值；進而提升所服務供應鏈的整體競爭力，成為銀行急需解決的問題。本文基于上述背景針對供應鏈金融中的融資產(chǎn)品的優(yōu)化進行了系統(tǒng)性的研究。
[Abstract]:The financial business of supply chain is oriented to the large number of small and medium-sized enterprises in the service supply chain. It closely revolves around the core enterprise and integrates the information flow, logistics and capital flow in the supply chain by utilizing the strong position and credit advantage of the core enterprise. Can provide comprehensive financing, logistics and other services for enterprises on the chain. In view of the fact that the overall strength and credit level of SMEs in the current supply chain are not high, it optimizes the cooperative relationship between upstream and downstream enterprises in the current supply chain. The original uncontrollable credit risk of individual enterprise is transformed into the controllable risk of the whole supply chain. It has broken through the traditional credit mode in which banks and other financial institutions take a single enterprise as the main body of credit, broadened the banking business channels, and effectively controlled the credit risk. It provides a new scheme for the small and medium-sized enterprises to solve the problem of "financing difficulties". The supply chain financial business of Chinese banks starts relatively late compared with foreign countries, and the related financing services and financing products need to be improved. There are not many kinds of financing products in the supply chain, so it is difficult to adapt to the diverse financing needs of the large number of small and medium-sized enterprises. On the other hand, the domestic banks lack practical experience in pricing supply chain financial products, and the prices of the products are generally too high. It is impossible to guarantee that the benefit of financing enterprises can be maximized within the scope of controllable bank credit risk, which makes it difficult for the financial innovation to be popularized among small and medium-sized enterprises in the supply chain. At the same time, the current supply chain financing products often encounter a variety of problems in the actual operation process, which further affect the operational efficiency and market value of the products. How to optimize the structure of supply chain financing products, improve the efficiency of product operation, realize the value of products, and then enhance the overall competitiveness of the supply chain under the control of bank credit risk has become an urgent problem for banks to solve. Based on the above background, this paper makes a systematic study on the optimization of financing products in supply chain finance.
【學位授予單位】：天津大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F274;F832.2

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本文編號：2008470