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

【摘要】： 中小企業(yè)是國民經(jīng)濟發(fā)展中的重要推動力量,在吸納社會富余勞動力、推動技術進步方面都起到了舉足輕重的作用。然而目前在我國,有超過80%的中小企業(yè)由于各種原因面臨融資難問題。如何幫助他們盡快走出融資困境,促進他們發(fā)展,成為目前我國亟待解決的問題。當前,對于解決中小企業(yè)融資難題的研究仍然集中在加快信用擔保體系建設、建立面向于中小企業(yè)的專門的金融服務機構(gòu)等方面,根據(jù)目前國內(nèi)金融市場的發(fā)展狀況,要通過以上途徑使中小企業(yè)融資難問題得到解決仍需要相當長的一段時間。因此,通過創(chuàng)新發(fā)展中小企業(yè)融資業(yè)務,根據(jù)中小企業(yè)融資的特點和特殊需求對金融產(chǎn)品進行創(chuàng)新和設計更為合理的融資方案,才是緩解中小企業(yè)融資困難切實可行的方法。 本文從分析當前我國中小企業(yè)在融資過程中的特點及困難成因著手,進而分析了當前主要融資模式在解決中小企業(yè)融資問題時的局限性,通過分析指出了這些融資模式在授信方式、融資對象、銀企關系三個方面的不足之處。筆者認為,解決中小企業(yè)融資困難可以通過在信貸市場上尋找更多融資需求企業(yè)的相關合作者或者利益相關者,通過特殊機制的建立,使他們能夠來共同分擔中小企業(yè)融資中的風險。供應鏈金融即是以上思想的實現(xiàn),在該種模式下商業(yè)銀行通過借助與中小企業(yè)有產(chǎn)業(yè)合作關系的大企業(yè)的擔保、或者以兩者之間的購銷合同為擔保,來共同分擔中小企業(yè)貸款風險。論文在第三部分對目前三種主要供應鏈融資模式的內(nèi)涵和運作機理作了介紹,并對三種模式進行了比較分析。最后,本文從擴大融資范圍,提高融資效率和降低融資風險的角度出發(fā),建立了基于“N+1+N”共贏鏈理念的新型應收賬款融資模式,并通過案例對比分析得出改進后的融資模式在解決中小企業(yè)融資困難方面相比當前模式的比較優(yōu)勢。 論文以理論研究和案例分析相結(jié)合,以此基礎上得出結(jié)論:在我國目前的經(jīng)濟發(fā)展狀況下,進一步發(fā)展和完善供應鏈金融服務是解決我國中小企業(yè)融資問題的有效途徑之一。
[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.
【學位授予單位】：中國海洋大學
【學位級別】：碩士
【學位授予年份】：2009
【分類號】：F275

【引證文獻】

相關碩士學位論文 前4條

1 王欣;基于系統(tǒng)動力學的供應鏈融資模式研究[D];沈陽大學;2011年

2 賀丹;成都GRXX供應鏈融資模式研究[D];電子科技大學;2011年

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

4 秦書亞;基于供應鏈聯(lián)盟的營運資金管理創(chuàng)新研究[D];中國海洋大學;2012年

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本文編號：1719279