中小企業(yè)供應鏈金融案例研究
發(fā)布時間：2018-10-11 11:24
【摘要】：中小企業(yè)是國民經濟的重要組成部分，在國民經濟中發(fā)揮著越來越重要的作用，包括擴大就業(yè)、活躍市場、穩(wěn)定社會和調整國民經濟結構布局等方面。但是融資難問題一直成為制約其發(fā)展的重要因素，傳統(tǒng)的融資模式已經無法解決中小企業(yè)面臨的融資困境，商業(yè)銀行只能通過業(yè)務創(chuàng)新來發(fā)展這部分市場，而供應鏈金融就是諸多創(chuàng)新融資模式的一種，一定程度上解決了其融資難的問題。 供應鏈金融作為一種新型的融資模式，它把供應鏈上的相關企業(yè)作為一個整體，設定融資方案以交易中構成的鏈條關系和行業(yè)特點為依據，由供應鏈上的相關企業(yè)共同分擔融資風險。供應鏈金融融資模式的創(chuàng)新主要體現(xiàn)在強調資金流在整個供應鏈的地位，而不僅僅包括傳統(tǒng)的物流和信息流。在這一模式下，商業(yè)銀行借助了與中小企業(yè)有貿易關系的大企業(yè)的信用，并依靠第三方物流等企業(yè)發(fā)揮作用，共同分擔了對中小企業(yè)融資的風險，擴大對中小企業(yè)的融資規(guī)模，契合了中小企業(yè)資金需求的特點，將中小企業(yè)、銀行、物流企業(yè)三者的創(chuàng)新巧妙結合起來。 本文的研究一共分為六個部分�？傮w上本文分為理論和實證兩個模塊，理論部分重點闡釋了供應鏈金融理論的發(fā)展和現(xiàn)狀及其主要內容，實證部分主要分析中信銀行唐山分行的供應鏈金融的運用和業(yè)務拓展，并結合具體的典型案例進行分析。具體內容如下： 第一部分是緒論。這一部分簡要介紹了本文的研究背景和意義，明確了研究的問題，突出了本文的研究方法和研究思路。 第二部分主要對中小企業(yè)融資的現(xiàn)狀和問題進行研究，并提出問題，表明研究目的，并詳細分析中小企業(yè)融資難的原因。 第三部分闡釋供應鏈金融理論的發(fā)展、現(xiàn)狀及其主要內容。 第四部分主要根據中信銀行唐山分行的供應鏈金融的運用，并結合具體的典型案例進行分析，總結分析了供應鏈金融的在解決中小企業(yè)融資方面的積極作用。 第五部分主要是對供應鏈金融在解決中小企業(yè)融資問題中存在的問題提出建議，從銀行和中小企業(yè)兩個主體的角度進行分析。 第六部分為結論，對全篇論文進行總結。 通過全文的分析，得出了供應鏈金融是解決中小企業(yè)融資困難問題的最佳途徑的結論。供應鏈金融不僅在融資方式、融資途徑上做出了較大創(chuàng)新，，更是大大降低了中小企業(yè)的融資成本，實現(xiàn)了信息和資源的共享，對促進解決中小企業(yè)融資困境、促進中小企業(yè)的發(fā)展以及整個供應鏈鏈條上各方的發(fā)展都做出了巨大貢獻。
[Abstract]:As an important part of the national economy, small and medium-sized enterprises play an increasingly important role in the national economy, including expanding employment, activating the market, stabilizing the society and adjusting the structural layout of the national economy. However, the problem of financing difficulties has been an important factor restricting the development of SMEs. The traditional financing model can no longer solve the financing difficulties faced by SMEs. Commercial banks can only develop this part of the market through business innovation. Supply chain finance is one of many innovative financing modes, which solves the problem of financing difficulty to some extent. Supply chain finance, as a new financing mode, takes the related enterprises in the supply chain as a whole, and establishes the financing scheme based on the chain relationship and industry characteristics formed in the transaction. Financing risk is shared by related enterprises in the supply chain. The innovation of financial financing mode of supply chain mainly embodies in emphasizing the position of capital flow in the whole supply chain, not including the traditional logistics and information flow. Under this model, commercial banks have used the credit of large enterprises with trade relationship with small and medium-sized enterprises, and relying on the third party logistics and other enterprises to play a role in sharing the risk of financing small and medium-sized enterprises, and expand the financing scale of small and medium-sized enterprises. In line with the characteristics of the capital demand of SMEs, the innovation of SMEs, banks and logistics enterprises is skillfully combined. This paper is divided into six parts. In general, this paper is divided into theoretical and empirical modules. The theoretical part focuses on the development and current situation of supply chain finance theory and its main content. The empirical part mainly analyzes the application and business expansion of supply chain finance in Tangshan Branch of CITIC Bank. And combined with specific typical cases to analyze. The specific contents are as follows: the first part is the introduction. This part briefly introduces the research background and significance, clarifies the research problems, and highlights the research methods and research ideas. In the second part, the present situation and problems of SME financing are studied, and the problems are put forward to show the purpose of the research, and the reasons for the difficulty of SME financing are analyzed in detail. The third part explains the development, current situation and main content of supply chain finance theory. The fourth part is mainly based on the application of supply chain finance in Tangshan Branch of CITIC Bank, and analyzes the positive role of supply chain finance in solving the financing of small and medium-sized enterprises. In the fifth part, the author puts forward some suggestions on how to solve the financing problems of small and medium-sized enterprises in supply chain finance, and analyzes them from the perspective of banks and small and medium-sized enterprises. The sixth part is the conclusion, carries on the summary to the entire thesis. Through the analysis of this paper, the conclusion that supply chain finance is the best way to solve the financing difficulties of small and medium-sized enterprises. Supply chain finance has not only made great innovation in financing methods and ways, but also greatly reduced the financing cost of small and medium-sized enterprises, realized the sharing of information and resources, and promoted the solution to the financing dilemma of small and medium-sized enterprises. To promote the development of small and medium-sized enterprises and the development of all parties in the supply chain have made great contributions.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F275;F832.4
本文編號：2264015
[Abstract]:As an important part of the national economy, small and medium-sized enterprises play an increasingly important role in the national economy, including expanding employment, activating the market, stabilizing the society and adjusting the structural layout of the national economy. However, the problem of financing difficulties has been an important factor restricting the development of SMEs. The traditional financing model can no longer solve the financing difficulties faced by SMEs. Commercial banks can only develop this part of the market through business innovation. Supply chain finance is one of many innovative financing modes, which solves the problem of financing difficulty to some extent. Supply chain finance, as a new financing mode, takes the related enterprises in the supply chain as a whole, and establishes the financing scheme based on the chain relationship and industry characteristics formed in the transaction. Financing risk is shared by related enterprises in the supply chain. The innovation of financial financing mode of supply chain mainly embodies in emphasizing the position of capital flow in the whole supply chain, not including the traditional logistics and information flow. Under this model, commercial banks have used the credit of large enterprises with trade relationship with small and medium-sized enterprises, and relying on the third party logistics and other enterprises to play a role in sharing the risk of financing small and medium-sized enterprises, and expand the financing scale of small and medium-sized enterprises. In line with the characteristics of the capital demand of SMEs, the innovation of SMEs, banks and logistics enterprises is skillfully combined. This paper is divided into six parts. In general, this paper is divided into theoretical and empirical modules. The theoretical part focuses on the development and current situation of supply chain finance theory and its main content. The empirical part mainly analyzes the application and business expansion of supply chain finance in Tangshan Branch of CITIC Bank. And combined with specific typical cases to analyze. The specific contents are as follows: the first part is the introduction. This part briefly introduces the research background and significance, clarifies the research problems, and highlights the research methods and research ideas. In the second part, the present situation and problems of SME financing are studied, and the problems are put forward to show the purpose of the research, and the reasons for the difficulty of SME financing are analyzed in detail. The third part explains the development, current situation and main content of supply chain finance theory. The fourth part is mainly based on the application of supply chain finance in Tangshan Branch of CITIC Bank, and analyzes the positive role of supply chain finance in solving the financing of small and medium-sized enterprises. In the fifth part, the author puts forward some suggestions on how to solve the financing problems of small and medium-sized enterprises in supply chain finance, and analyzes them from the perspective of banks and small and medium-sized enterprises. The sixth part is the conclusion, carries on the summary to the entire thesis. Through the analysis of this paper, the conclusion that supply chain finance is the best way to solve the financing difficulties of small and medium-sized enterprises. Supply chain finance has not only made great innovation in financing methods and ways, but also greatly reduced the financing cost of small and medium-sized enterprises, realized the sharing of information and resources, and promoted the solution to the financing dilemma of small and medium-sized enterprises. To promote the development of small and medium-sized enterprises and the development of all parties in the supply chain have made great contributions.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F275;F832.4
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