存貨質(zhì)押融資模式下中小企業(yè)信用風(fēng)險(xiǎn)評(píng)價(jià)研究
本文選題:存貨質(zhì)押 + 供應(yīng)鏈; 參考:《貴州財(cái)經(jīng)大學(xué)》2014年碩士論文
【摘要】:伴隨著經(jīng)濟(jì)信息化和全球化進(jìn)程的加快,使得物流與供應(yīng)鏈金融服務(wù)出現(xiàn)了很多種創(chuàng)新形式,如貨權(quán)質(zhì)押進(jìn)口全程貨權(quán)質(zhì)押等。存貨作為物流基本特點(diǎn),具有靈活性。國(guó)內(nèi)外都將存貨質(zhì)押作為物流和供應(yīng)鏈金融創(chuàng)新的核心形式。 本論文將探討大物流時(shí)代通過合理調(diào)配供應(yīng)鏈外部資源,利用其整體性優(yōu)勢(shì),多層面的拓展存貨質(zhì)押業(yè)務(wù)范圍,力求早日解決中小企業(yè)資金難問題,,科學(xué)的實(shí)現(xiàn)利益最大主要研究?jī)?nèi)容包括:1、對(duì)供應(yīng)鏈存貨質(zhì)押模式的基本性研究。利用存貨質(zhì)押理論結(jié)合模型解決中小企業(yè)融資問題。2、構(gòu)建信用風(fēng)險(xiǎn)指標(biāo)評(píng)價(jià)體系。本文利用傳統(tǒng)的風(fēng)險(xiǎn)指標(biāo)評(píng)價(jià)方法作為基礎(chǔ)理論,在此基礎(chǔ)上運(yùn)用層次分析法對(duì)中小企業(yè)進(jìn)行風(fēng)險(xiǎn)評(píng)估,通過對(duì)中小企業(yè)各方面的能力配合權(quán)重的計(jì)算,能夠作為企業(yè)信用風(fēng)險(xiǎn)的評(píng)估參考。3、實(shí)證分析。實(shí)證研究如何對(duì)目前我國(guó)企業(yè)所面臨的融資困境進(jìn)行一定程度的探究,結(jié)合實(shí)證分析,驗(yàn)證實(shí)踐成果的有效性。 供應(yīng)鏈金融需要把相關(guān)企業(yè)產(chǎn)業(yè)當(dāng)做一個(gè)整體,從而來實(shí)現(xiàn)融資的服務(wù)。使得中小企業(yè)在供應(yīng)鏈上獲得支持,中小企業(yè)無擔(dān)保無抵押的狀況也得到了緩解。中小企業(yè)可以根據(jù)自身情況選擇適合自身狀況和發(fā)展的融資方式。近些年,我國(guó)商業(yè)銀行和金融機(jī)構(gòu)努力為中小企業(yè)貸款提供支撐服務(wù),但中小企業(yè)貸款難題仍然沒有得到有效解決,從整體上看,現(xiàn)行措施的實(shí)施未能從根本上解決問題。這個(gè)研究不僅具有理論意義具有現(xiàn)實(shí)意義。
[Abstract]:With the acceleration of economic informatization and globalization, there are many innovative forms of logistics and supply chain financial services, such as goods right pledge, import right pledge and so on. As a basic characteristic of logistics, inventory has flexibility. Inventory pledge is regarded as the core form of logistics and supply chain financial innovation at home and abroad. In this paper, we will discuss how to expand the scope of inventory pledge business in the era of large logistics by reasonably allocating external resources of supply chain, utilizing its holistic advantage, and making every effort to solve the problem of small and medium-sized enterprises' capital difficulty as soon as possible. The most important research contents of scientific realization interest include: 1, the basic research on inventory pledge mode of supply chain. Using inventory pledge theory combined with model to solve the financing problem of small and medium-sized enterprises (SMEs), the credit risk index evaluation system is constructed. In this paper, the traditional risk index evaluation method is used as the basic theory, and on this basis, the AHP is used to evaluate the risk of small and medium-sized enterprises, and through the calculation of the capacity matching weight of each aspect of small and medium-sized enterprises, Can be used as corporate credit risk assessment reference. 3, empirical analysis. The empirical study on the financing difficulties faced by Chinese enterprises to a certain extent, combined with empirical analysis, to verify the effectiveness of practical results. The supply chain finance needs to regard the related enterprise industry as a whole to realize the financing service. So that SMEs in the supply chain support, SMEs unsecured and unsecured situation has been alleviated. Small and medium-sized enterprises can choose the financing mode suitable for their own condition and development according to their own situation. In recent years, China's commercial banks and financial institutions have tried to provide support services for SME loans, but the SME loan problem has not been effectively resolved. On the whole, the implementation of existing measures has not fundamentally solved the problem. This study has not only theoretical significance but also practical significance.
【學(xué)位授予單位】:貴州財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】:碩士
【學(xué)位授予年份】:2014
【分類號(hào)】:F832.4;F276.3
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