發(fā)布時間：2018-06-13 01:42

  本文選題：中小企業(yè) + 供應鏈　； 參考：《華東師范大學》2013年碩士論文

【摘要】：中小企業(yè)融資困境一直為各國經濟學者所關注和不斷努力研究的難題之一。在世界經濟衰退,尤其是歐美國家經濟萎靡不振的大經濟環(huán)境下,中小企業(yè)的生存面臨著更加嚴峻的考驗。我國中小企業(yè)也難免遭遇資金短缺或流動不順暢的境況,導致企業(yè)無法正常經營運作,錯失諸多發(fā)展良機,限制業(yè)務拓展,甚至導致破產倒閉。作為我國國民經濟發(fā)展的中流砥柱,中小企業(yè)對市場經濟的活躍與振興、就業(yè)機會的增加及技術革新的推動等方面發(fā)揮著非常重要的作用。 供應鏈融資在我國的起步和發(fā)展甚晚,尚未成熟。但隨著經濟發(fā)展和企業(yè)金融需求的多樣化,它的潛在發(fā)展空間非常巨大。因此,有規(guī)劃地健康發(fā)展供應鏈融資,幫助中小企業(yè)解決融資難問題,是當前刻不容緩的主要任務。 本文通過國內外學者的理論研究,得出結論：造成中小企業(yè)融資難的根本原因在于信息的不對稱。供應鏈融資,這種全新的融資模式,彌補了傳統(tǒng)信貸融資的不足,可以有效解決中小企業(yè)融資難問題。它是商業(yè)銀行或金融機構在充分掌握供應鏈的管理程度及主導企業(yè)的資信水平后,以整條供應鏈為出發(fā)點,圍繞主導企業(yè)及其上、下游的中小企業(yè),結合各自融資需求,設計并提供個性化及多元化的金融產品與服務；同時借助各參與主體之間的通力合作,為中小企業(yè)拓廣融資渠道的一種全新模式。 本文通過對供應鏈融資模式及案例的深入分析,介紹了目前我國供應鏈融資業(yè)務的發(fā)展現(xiàn)狀,不同融資模式的適用特點、業(yè)務流程及融資效果,同時分析阿里巴巴、蘇寧等電商開展的小微企業(yè)貸款業(yè)務給予的新挑戰(zhàn),最后提出了供應鏈融資存在的潛在風險及措施。 本文對于我國現(xiàn)階段供應鏈融資發(fā)展給出了幾點建議：從供應鏈的內部企業(yè)自身、銀行與金融機構方面及政府三個不同層面,如何開展并推廣中小企業(yè)供應鏈融資業(yè)務。 供應鏈的內部企業(yè)自身首先要建立良好的共同“利益鏈”與“信譽鏈”,完善企業(yè)管理機制及規(guī)范財務體系；培養(yǎng)具有專業(yè)融資技能的人才,及時掌握市場動態(tài),提高相關供應鏈融資風險識別和管理技能；同時也要大力發(fā)展第三方物流服務企業(yè)。 銀行與金融機構則要加強信息服務平臺的建設,規(guī)范客戶信息數(shù)據管理體系、優(yōu)化并完善中小企業(yè)信用評估與審批流程；根據客戶的不同融資需求特點,設計并創(chuàng)新有針對性的金融產品與服務；同時也要加強金融從業(yè)人員的專業(yè)技能培訓,提高工作人員的整體業(yè)務素質和風險管理技能。 政府機構則要加強提高推廣供應鏈融資業(yè)務的意識,設立供應鏈融資業(yè)務發(fā)展專項基金,刺激和鼓勵供應鏈融資業(yè)務的發(fā)展；構建良好的信用管理體制和法制環(huán)境。 供應鏈融資突破傳統(tǒng)融資瓶頸,解決中小企業(yè)融資困難的問題；銀行通過融資模式創(chuàng)新,增加了其經營的業(yè)務種類和范圍、拓展了客戶群體,同時也推動金融市場向多形式方向發(fā)展；物流企業(yè)除了提供傳統(tǒng)的業(yè)務運輸和倉儲服務外,同時通過供應鏈融資使其業(yè)務范圍得以深度擴張；供應鏈融資是以中小企業(yè)融資難的根源為出發(fā)點,在降低信貸風險、減少交易成本、弱化信息不對稱等方面具有獨特的優(yōu)勢,大大提高了中小企業(yè)融資的成功率。
[Abstract]:Small and medium - sized enterprises ( SMEs ) have been facing more severe challenges in the world economic downturn , especially in the big economic environment where the economic collapse of the European and American countries is sluggish . Small and medium - sized enterprises in our country are inevitably confronted with the situation of shortage of funds or smooth flow , which can lead to the failure of enterprises to operate normally , lose many developing opportunities , restrict the expansion of the business , and even lead to bankruptcy bankruptcy . As the mainstay of the development of our national economy , the small and medium - sized enterprises play a very important role in the active and revitalization of the market economy , the increase of employment opportunities and the promotion of technological innovation .

Supply chain financing is very late and not mature in our country . However , with the diversification of economic development and enterprise financial needs , its potential development space is very large . Therefore , it is the main task that can ' t delay the financing of the supply chain of planning and healthy development and help the small and medium - sized enterprises to solve the problem of financing difficulty .

This paper concludes that the root cause of financing difficult problem lies in the asymmetry of information , the financing of supply chain , the brand new financing model , which makes up the shortage of traditional credit financing , and can effectively solve the financing difficulty of small and medium - sized enterprises . It is a starting point for commercial banks or financial institutions to design and provide individualized and diversified financial products and services around the leading enterprises and their upper and downstream enterprises with the whole supply chain as the starting point .
At the same time , through the cooperation between the participating entities , it is a brand - new mode of financing channels for small and medium - sized enterprises .

Based on the deep analysis of supply chain financing model and case , this paper introduces the present situation of supply chain financing business in China , the application characteristics , business process and financing effect of different financing modes , and analyzes the new challenges of small micro enterprise loan business in Alibaba and Suning , and finally puts forward the potential risks and measures in supply chain financing .

This paper gives some suggestions on the development of supply chain financing in our country at present : how to carry out and promote the supply chain financing business of small and medium - sized enterprises from three different aspects : the internal enterprise itself , the bank and the financial institution and the government .

The internal enterprises of the supply chain must first establish a good common " interest chain " and " credibility chain " , perfect the enterprise management mechanism and regulate the financial system ;
To cultivate talents with professional financing skills , master the market dynamics in time , and improve the risk identification and management skills of relevant supply chain financing ;
At the same time , the third - party logistics service enterprises should be vigorously developed .

Banks and financial institutions should strengthen the construction of information service platform , standardize customer information data management system , optimize and perfect credit evaluation and approval process of small and medium - sized enterprises ;
To design and innovate targeted financial products and services based on the different financing needs of customers ;
At the same time , it is also necessary to strengthen the professional skills training of the financial practitioners and improve the overall professional quality and risk management skills of the staff .

The government agencies should strengthen the awareness of raising the financing business of the supply chain , set up a special fund for the development of the supply chain financing business , stimulate and encourage the development of the supply chain financing business ;
Build a good credit management system and legal environment .

Supply chain financing breaks through traditional financing bottleneck and solves the problem of financing difficulty of small and medium - sized enterprises ;
Through the innovation of financing mode , the bank has increased the business category and scope of its operation , expanded the customer group , and promoted the development of financial market to the multi - form direction .
In addition to providing traditional business transportation and warehousing services , logistics enterprises can expand their business scope through supply chain financing .
Supply chain financing is based on the root of financing difficulty of small and medium - sized enterprises . It has unique advantages in reducing credit risk , reducing transaction cost , weakening information asymmetry and so on , which greatly improves the success rate of financing for small and medium - sized enterprises .
【學位授予單位】：華東師范大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4;F276.3

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本文編號：2012071