【摘要】：在內(nèi)蒙古呼包鄂地區(qū)的經(jīng)濟發(fā)展中,中小型企業(yè)起著舉足輕重的作用,但是融資困難一直是制約中小型企業(yè)擴大規(guī)模和經(jīng)濟發(fā)展的首要問題。本文針對包商銀行的供應(yīng)鏈融資情況進行研究,其作為內(nèi)蒙古地區(qū)最大的地方性商業(yè)銀行,主要致力于為各類中小企業(yè)提供融資服務(wù)。針對內(nèi)蒙古地區(qū)中小企業(yè)特點,包商銀行近年來著力推進供應(yīng)鏈融資項下存貨質(zhì)押業(yè)務(wù)服務(wù),這樣不僅解決了中小型企業(yè)急需資金的困難,而且對于包商銀行的授信也起到了保障作用,一舉兩得。 本文首先通過對包商銀行供應(yīng)鏈融資業(yè)務(wù)開展情況的分析,闡釋了供應(yīng)鏈融資的概念界定和存貨質(zhì)押方面在國內(nèi)外的發(fā)展現(xiàn)狀,同時說明了包商銀行發(fā)展供應(yīng)鏈融資業(yè)務(wù)項下存貨質(zhì)押業(yè)務(wù)的發(fā)展背景與現(xiàn)狀；接著是通過對包頭市的鋼鐵生產(chǎn)企業(yè)存貨質(zhì)押案例和稀土貿(mào)易企業(yè)存貨質(zhì)押案例及烏海市煤炭運銷企業(yè)存貨質(zhì)押三個典型中小型企業(yè)的案例分析,說明了包商銀行存貨質(zhì)押的過程以及分析了存貨質(zhì)押過程中存在的風險；最后由案例分析引發(fā)思考,對存貨質(zhì)押的風險和出現(xiàn)的問題提出相應(yīng)的對策。從而找出適合該包商銀行供應(yīng)鏈融資存貨質(zhì)押模式業(yè)務(wù)發(fā)展的因素,為滿足該地區(qū)中小企業(yè)融資需求,促進地區(qū)經(jīng)濟發(fā)展盡綿薄之力。
[Abstract]:In the economic development of Hupao-Hubei area of Inner Mongolia, the small and medium-sized enterprises play an important role, but the difficulty of financing has always been the primary problem restricting the expansion of the scale and economic development of the small and medium-sized enterprises. As the largest local commercial bank in Inner Mongolia, the supply chain financing of the contractor bank is mainly devoted to providing financing services for all kinds of small and medium-sized enterprises. In view of the characteristics of small and medium-sized enterprises in Inner Mongolia, in recent years, the contractor's Bank has focused on promoting the service of inventory pledge under the item of supply chain financing, which not only solves the problem that small and medium-sized enterprises urgently need funds, And for the contractor's bank credit also played a role in the protection, one-shot two. Firstly, through the analysis of the supply chain financing business of the contractor bank, this paper explains the definition of supply chain financing and the development of inventory pledge at home and abroad. At the same time, it explains the development background and present situation of the inventory pledge business under the development of supply chain financing business of the contractor bank. Then, through the case study of stock pledge of iron and steel production enterprises in Baotou city and rare earth trading enterprises and three typical small and medium-sized enterprises of Wuhai coal transportation and marketing enterprises, This paper explains the process of inventory pledge in contractor bank and analyzes the risk in the process of inventory pledge. Finally, some countermeasures are put forward to deal with the risk and problems of inventory pledge. In order to meet the financing needs of small and medium-sized enterprises in the region and promote the regional economic development, we can find out the factors suitable for the business development of the supply chain financing inventory pledge mode of the contractor bank, and do our best to meet the financing needs of the small and medium-sized enterprises in the region.
【學位授予單位】：內(nèi)蒙古大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2;F832.33

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