本文選題：供應(yīng)鏈金融　切入點(diǎn)：中小企業(yè)融資　出處：《大連理工大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：中小企業(yè)是推動(dòng)我國(guó)經(jīng)濟(jì)發(fā)展的重要力量,也是我國(guó)國(guó)民經(jīng)濟(jì)體系的重要組成部分。中小企業(yè)的健康發(fā)展對(duì)我國(guó)經(jīng)濟(jì)發(fā)展、就業(yè)率提升以及經(jīng)濟(jì)結(jié)構(gòu)優(yōu)化起著重要的作用。然而據(jù)報(bào)道2011年下半年,有近4成的中小企業(yè)由于面臨資金鏈斷裂這一困難,在破產(chǎn)的邊緣掙扎。占我國(guó)全部注冊(cè)企業(yè)總數(shù)99%的中小企業(yè),貸款資源不到20%。為了解決中小企業(yè)與銀行等金融機(jī)構(gòu)之間的種種矛盾,產(chǎn)生了“供應(yīng)鏈金融”這一針對(duì)中小企業(yè)融資難問(wèn)題的全新金融服務(wù)模式。其通過(guò)在中小企業(yè)從銀行貸款過(guò)程中引入供應(yīng)鏈核心企業(yè)及第三方物流企業(yè),提升中小企業(yè)的信用水平,可以有效緩解中小企業(yè)的融資困境。 供應(yīng)鏈金融主要有三種基本的融資模式——應(yīng)收賬款融資、融通倉(cāng)融資(存貨融資)和保兌倉(cāng)融資(預(yù)付款融資)。在這三種融資模式中,前兩種融資產(chǎn)品在國(guó)內(nèi)外都應(yīng)用地比較廣泛,而保兌倉(cāng)融資模式則是國(guó)內(nèi)銀行針對(duì)國(guó)內(nèi)供應(yīng)鏈金融業(yè)務(wù)開(kāi)展的特點(diǎn)所研發(fā)出的特色業(yè)務(wù)產(chǎn)品。同時(shí),在供應(yīng)鏈金融模式運(yùn)作過(guò)程中,其核心就是融資企業(yè)的風(fēng)險(xiǎn)是否能夠滿足銀行等金融機(jī)構(gòu)的風(fēng)險(xiǎn)控制目標(biāo)。 因此本文以保兌倉(cāng)融資(預(yù)付款融資)為主要研究對(duì)象,構(gòu)建其風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系,針對(duì)所構(gòu)建的保兌倉(cāng)融資模式風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系,運(yùn)用多級(jí)模糊綜合評(píng)價(jià)法對(duì)銀行提供保兌倉(cāng)融資服務(wù)的風(fēng)險(xiǎn)進(jìn)行評(píng)估,而后根據(jù)評(píng)估結(jié)果可得到保兌倉(cāng)融資模式的倉(cāng)單質(zhì)押率,即通過(guò)設(shè)定合理的倉(cāng)單質(zhì)押率可以有效降低銀行等金融機(jī)構(gòu)的貸款風(fēng)險(xiǎn),從而滿足其風(fēng)險(xiǎn)控制目標(biāo)。本文還利用案例比較分析了保兌倉(cāng)融資模式和傳統(tǒng)融資模式的倉(cāng)單質(zhì)押率,結(jié)果顯示,保兌倉(cāng)融資模式能夠更好地解決中小企業(yè)資金短缺問(wèn)題。 隨后,基于三方保兌融資模式,本文對(duì)保兌倉(cāng)融資模式中各參與方的成本收益進(jìn)行分析,并進(jìn)一步將其與傳統(tǒng)融資模式相比較,比較結(jié)果顯示,保兌倉(cāng)融資模式能夠提升各參與方的收益水平,從而形成三贏局面。最后,在前文分析的基礎(chǔ)上,本文提出一些有利于銀行等金融機(jī)構(gòu)開(kāi)展保兌倉(cāng)融資業(yè)務(wù)的建議。
[Abstract]:Small and medium-sized enterprises are an important force to promote the economic development of our country and also an important part of our national economic system. The healthy development of small and medium-sized enterprises is of great importance to the economic development of our country. The increase in employment rate and the optimization of economic structure play an important role. However, it is reported that in the second half of 2011, nearly 40% of small and medium-sized enterprises are faced with the difficulty of breaking the financial chain. Struggling on the brink of bankruptcy. Small and medium-sized enterprises, which account for 99% of the total number of registered enterprises in our country, have less than 20 percent of loans. In order to solve the conflicts between SMEs and financial institutions such as banks, "supply chain finance" is a new financial service mode which aims at the financing difficulty of small and medium-sized enterprises. It introduces supply chain core enterprises and third party logistics enterprises into the process of small and medium-sized enterprises' loan from banks. Improving the credit level of small and medium-sized enterprises can effectively alleviate the financing difficulties of small and medium-sized enterprises. There are three basic financing modes in supply chain finance: accounts receivable financing, warehouse financing (inventory financing) and confirmed position financing (advance financing). The first two financing products are widely used both at home and abroad, while the confirmed warehouse financing model is the characteristic business product developed by domestic banks according to the characteristics of domestic supply chain financial business. At the same time, In the course of the operation of supply chain financial model, its core is whether the risk of financing enterprises can meet the risk control objectives of banks and other financial institutions. Therefore, this paper takes the confirmed position financing (advance financing) as the main research object, constructs its risk evaluation index system, aiming at the risk evaluation index system of the confirmed position financing mode. Using the multi-level fuzzy comprehensive evaluation method to evaluate the risk of banks providing confirmed position financing service, and then, according to the evaluation results, we can get the warehouse receipt pledge rate of confirmed position financing mode. That is to say, by setting a reasonable warehouse receipt pledge rate, the loan risk of banks and other financial institutions can be effectively reduced, thus meeting the risk control target. This paper also makes a comparative analysis of the warehouse receipt pledge rate between the confirmed position financing mode and the traditional financing mode by using a case study. The results show that the confirmed position financing model can better solve the shortage of small and medium-sized enterprises. Then, based on the three-party confirmed financing model, this paper analyzes the cost and income of the participants in the confirmed position financing model, and further compares it with the traditional financing model. The confirmed position financing model can improve the income level of each participant, thus forming a three-win situation. Finally, based on the previous analysis, this paper puts forward some suggestions for banks and other financial institutions to carry out confirmed position financing business.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F275;F832.4

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本文編號(hào)：1616298