本文選題：小微企業(yè) + 商業(yè)保理�。� 參考：《首都經(jīng)濟貿(mào)易大學》2014年碩士論文

【摘要】：目前在我國的市場上,小微企業(yè)融資難是個亟待解決的問題。雖然國家采取了多項措施加強了對小微企業(yè)的扶持,但是小微企業(yè)在對外融資時仍然面臨諸如抵押品不足、信息不對稱、以及成本過高等問題。采用商業(yè)保理業(yè)務,扶持商業(yè)保理公司的發(fā)展,能夠成為解決這一問題的有效辦法之一。與傳統(tǒng)的銀行保理相比,商業(yè)保理更具專業(yè)化、時效性,對作為賣方的小微企業(yè)自身資質(zhì)要求并不高,是與小微企業(yè)相適應的一種融資方式。目前,保理行業(yè)整體的發(fā)展勢頭十分良好,全球保理業(yè)務總額逐年上升,我國已連續(xù)多年成為世界第一保理大國。雖然發(fā)展迅猛,但我國的商業(yè)保理仍存在一些缺陷：我國社會對商業(yè)保理的定性并不穩(wěn)固；缺乏社會信用體系和信用風險評估技術(shù)的支持；缺乏專業(yè)的保理人員；在法律、稅務方面也存在尚不明晰的地方。 本文通過對國外和國內(nèi)保理案例的分析,總結(jié)了國外保理業(yè)務發(fā)展的先進之處,也指出了我國商業(yè)保理公司操作過程中顯現(xiàn)出的問題。針對我國商業(yè)保理行業(yè)存在的問題,本文在最后提出了四點改進建議：首先,應加強法律制度和規(guī)章建設,爭取盡快出臺商業(yè)保理行業(yè)的統(tǒng)一政策；其次,對于社會信用體系和信用風險評估技術(shù)的建設也亟需加強；另外,可以運用供應鏈金融發(fā)展保理業(yè)務,大力推動供應鏈保理來解決小微企業(yè)融資難的問題；最后,應加強對保理專業(yè)人才的培養(yǎng),提高保理從業(yè)人員的業(yè)務能力和綜合素質(zhì)。解決商業(yè)保理目前存在的問題,促進商業(yè)保理行業(yè)的發(fā)展,能夠有效緩解小微企業(yè)融資難的問題,最終帶動我國實體經(jīng)濟的發(fā)展。
[Abstract]:At present, in the market of our country, the financing difficulty of small and micro enterprises is an urgent problem to be solved. Although the state has taken a number of measures to strengthen the support for small and micro enterprises, they still face problems such as insufficient collateral, asymmetric information, and high cost in external financing. Adopting commercial factoring business and supporting the development of commercial factoring companies can be one of the effective ways to solve this problem. Compared with the traditional bank factoring, commercial factoring is more specialized and time-efficient, and it is a suitable financing method for the small and micro enterprises. At present, the overall development of factoring industry is very good, the total amount of global factoring business is rising year by year, China has become the first factoring country in the world for many years. Despite the rapid development of business factoring in our country, there are still some shortcomings: the characterization of commercial factoring in our society is not stable; the lack of social credit system and credit risk assessment technology support; the lack of professional factoring personnel; in the law, There is also a lack of clarity in tax matters. Based on the analysis of foreign and domestic factoring cases, this paper summarizes the development of factoring business abroad, and points out the problems in the operation of commercial factoring companies in China. In view of the problems existing in the commercial factoring industry in China, this paper puts forward four suggestions for improvement: first, we should strengthen the legal system and regulations construction, and strive to issue the unified policy of the commercial factoring industry as soon as possible; secondly, The construction of social credit system and credit risk assessment technology also needs to be strengthened. In addition, supply chain finance can be used to develop factoring business to promote supply chain factoring to solve the financing difficulties of small and micro enterprises. We should strengthen the cultivation of factoring professionals and improve the professional ability and comprehensive quality of factoring professionals. To solve the existing problems of commercial factoring and promote the development of commercial factoring industry can effectively alleviate the financing difficulties of small and micro enterprises and ultimately promote the development of real economy in China.
【學位授予單位】：首都經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F276.3;F275

【引證文獻】

相關(guān)碩士學位論文 前6條

1 張龍;商業(yè)保理與互聯(lián)網(wǎng)金融融合發(fā)展研究[D];新疆財經(jīng)大學;2016年

2 閆從翔;商業(yè)保理資產(chǎn)證券化法律問題研究[D];華東政法大學;2016年

3 時維闊;內(nèi)蒙古地區(qū)保理業(yè)務發(fā)展存在的問題及對策研究[D];內(nèi)蒙古大學;2016年

4 沈毅;我國商業(yè)保理資產(chǎn)證券化研究[D];上海交通大學;2015年

5 李圣;基于商業(yè)保理業(yè)務的應收賬款資產(chǎn)證券化研究[D];對外經(jīng)濟貿(mào)易大學;2015年

6 趙芳;營口銀行供應鏈金融案例分析[D];遼寧大學;2015年

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本文編號：1821734