本文關(guān)鍵詞： 中小企業(yè) 供應(yīng)鏈融資 供應(yīng)鏈融資模式應(yīng)用　出處：《云南財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：由于中小企業(yè)存在著無擔(dān)保、無抵押、無報(bào)表的情況，對于傳統(tǒng)的銀行考察單個(gè)中小企業(yè)資信情況的融資模式來說，大多數(shù)中小企業(yè)無法達(dá)到向銀行申請授信的要求，因此如何解決中小企業(yè)融資難問題一直是我們大家討論的問題。供應(yīng)鏈融資的出現(xiàn)某種程度上較好地解決了這一問題。而對于銀行來說，如何增加他們自身的收益最受其關(guān)心，所以也設(shè)計(jì)出了各種各樣有關(guān)供應(yīng)鏈融資的產(chǎn)品來滿足市場的需求。本文研究了供應(yīng)鏈融資是如何解決中小企業(yè)融資難問題的，主要探討了供應(yīng)鏈融資的模式以及其應(yīng)用。 在我國供應(yīng)鏈融資作為新興的融資模式，發(fā)展不夠完善，一些企業(yè)對它的概念還比較模糊。本文首先介紹了供應(yīng)鏈融資有關(guān)的理論，包括了供應(yīng)鏈融資理論、供應(yīng)鏈的含義、特征與對中小企業(yè)發(fā)展的意義以及供應(yīng)鏈融資與傳統(tǒng)銀行貸款業(yè)務(wù)的區(qū)別。緊接著，介紹了供應(yīng)鏈融資的運(yùn)作，分別從銀行與中小企業(yè)的角度探究了供應(yīng)鏈融資如何具體操作的。進(jìn)而研究了其運(yùn)作的主要模式，主要包括：應(yīng)收賬款融資模式、存貨質(zhì)押融資模式、預(yù)付賬款融資模式，并將這三者進(jìn)行了比較，解釋了在采購、生產(chǎn)、銷售的這三種階段如何選擇對應(yīng)的供應(yīng)鏈融資模式。為了更好的說明供應(yīng)鏈融資在實(shí)際運(yùn)用中的有效性，本文例舉了應(yīng)收賬款融資案例，結(jié)合實(shí)際探討了供應(yīng)鏈融資的運(yùn)作過程。文章的最后提出了如何優(yōu)化供應(yīng)鏈融資模式的幾點(diǎn)建議。包括實(shí)施供應(yīng)鏈融資的金融政策支持、加強(qiáng)供應(yīng)鏈融資各參與主體的合作，實(shí)現(xiàn)信息的充分共享、大力大展物流企業(yè)和加強(qiáng)供應(yīng)鏈融資產(chǎn)品和技術(shù)的創(chuàng)新。 本文采用了對比分析法、案例分析法對供應(yīng)鏈融資模式及其應(yīng)用進(jìn)行了研究。創(chuàng)新之處主要是站在中小企業(yè)與銀行第三者的角度上來看供應(yīng)鏈融資是如何解決中小企業(yè)融資難問題的，并且分別從銀行與中小企業(yè)角度分析供應(yīng)鏈融資的運(yùn)作，，此外對應(yīng)收賬款融資模式的案例進(jìn)行了過程分析，希望能夠?yàn)閰⑴c供應(yīng)鏈融資銀行或企業(yè)提供一些幫助。
[Abstract]:Because of the existence of unsecured, unsecured, and unreported, the traditional financing mode of banks examining the credit situation of individual SMEs. Most SMEs are unable to meet the requirements of applying for credit to banks. Therefore, how to solve the financing difficulties of SMEs has been discussed by all of us. The emergence of supply chain financing has solved this problem to a certain extent. But for banks. How to increase their own income is most concerned by them. So we also designed a variety of supply chain financing products to meet the needs of the market. This paper studies how supply chain financing is to solve the financing difficulties of SMEs. This paper mainly discusses the mode of supply chain financing and its application. As a new financing mode, supply chain financing is not perfect in our country, and some enterprises still have a vague concept about it. Firstly, this paper introduces the theory of supply chain financing, including supply chain financing theory. The meaning, characteristics and significance to the development of small and medium-sized enterprises and the difference between supply chain financing and traditional bank loan business. Then, the operation of supply chain financing is introduced. Respectively from the perspective of banks and small and medium-sized enterprises to explore how the specific operation of supply chain financing, and then studied its main operation model, including: accounts receivable financing mode, inventory pledge financing mode. Prepaid account financing model, and compare these three, explain in the procurement, production. In order to better illustrate the effectiveness of supply chain financing in practice, this paper gives examples of accounts receivable financing cases. Finally, some suggestions on how to optimize the supply chain financing model are put forward, including the financial policy support to implement the supply chain financing. We should strengthen the cooperation of all participants in supply chain financing, realize the full sharing of information, vigorously develop logistics enterprises and strengthen the innovation of supply chain financing products and technologies. A comparative analysis method is used in this paper. The innovation is how to solve the financing difficulties of SMEs from the perspective of SMEs and bank third parties. And from the perspective of banks and small and medium-sized enterprises to analyze the operation of supply chain financing, in addition to the accounts receivable financing model of the process analysis. Hope to be able to participate in supply chain financing banks or enterprises to provide some help.
【學(xué)位授予單位】：云南財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F275

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