【摘要】：中小企業(yè)是當(dāng)今經(jīng)濟(jì)運(yùn)行中不可缺少的重要組成部分,與大企業(yè)一樣，是國(guó)家經(jīng)濟(jì)發(fā)展和社會(huì)穩(wěn)定的重要支柱，在推動(dòng)經(jīng)濟(jì)增長(zhǎng)、解決就業(yè)等方面發(fā)揮了關(guān)鍵作用。但是,中小企業(yè)的發(fā)展受到各方面的制約,其中一個(gè)主要障礙是融資難問(wèn)題。毫不例外，我國(guó)的中小企業(yè)同樣著面臨融資困境，中小企業(yè)金融資源的匱乏嚴(yán)重影響了這一群體的長(zhǎng)遠(yuǎn)發(fā)展。 本文從介紹我國(guó)中小企業(yè)的發(fā)展現(xiàn)狀入手,詳細(xì)介紹了我國(guó)中小企業(yè)融資現(xiàn)狀，并對(duì)造成中小企業(yè)融資渠道狹窄、融資成本高等困境的成因進(jìn)行了分析。在此基礎(chǔ)上，本文認(rèn)為在當(dāng)前經(jīng)濟(jì)形勢(shì)和金融格局下，供應(yīng)鏈金融能夠較好地解決中小企業(yè)融資難題。進(jìn)而闡述了供應(yīng)鏈金融在緩解中小企業(yè)融資困境方面的優(yōu)勢(shì)及其局限，介紹了供應(yīng)鏈金融的相關(guān)參與主體以及相關(guān)運(yùn)作過(guò)程。最后介紹了現(xiàn)有供應(yīng)鏈金融的主流融資模式,并對(duì)每種模式進(jìn)行了分析，在三種主流融資模式基礎(chǔ)上提出了兩種可供探討和實(shí)踐的新的融資模式，以期能夠豐富供應(yīng)鏈金融模式，更好地解決中小企業(yè)融資問(wèn)題。 通過(guò)分析，本文得出的結(jié)論是: 1.有多種方式可以解決中小企業(yè)融資困境，但根本辦法在于解決銀企之間信息不對(duì)稱問(wèn)題，而供應(yīng)鏈金融能夠較好地解決這個(gè)問(wèn)題，供應(yīng)鏈金融的應(yīng)用前景值得期待。 2.供應(yīng)鏈金融業(yè)務(wù)針對(duì)中小企業(yè)的特點(diǎn)，，把處在供應(yīng)鏈上的各主體結(jié)合在一起，通過(guò)引進(jìn)核心企業(yè)和第三方物流企業(yè)達(dá)到對(duì)上下游中小企業(yè)增信和風(fēng)險(xiǎn)控制的目的，以應(yīng)對(duì)中小企業(yè)的融資需要。 3.供應(yīng)鏈金融業(yè)務(wù)一方面使中小企業(yè)得到了資金支持，核心企業(yè)也可借此擴(kuò)展其供應(yīng)鏈；另一方面則大大拓寬了商業(yè)銀行和物流企業(yè)的業(yè)務(wù)空間，為其帶來(lái)新的利潤(rùn)增長(zhǎng)點(diǎn)。 4.現(xiàn)有供應(yīng)鏈融資模式存在自身優(yōu)勢(shì)，但還有一些不足，應(yīng)加強(qiáng)改進(jìn)，同時(shí)應(yīng)當(dāng)探索更多更完善的供應(yīng)鏈融資模式。 5.提出兩種可供思考和實(shí)踐的融資模式：訂單融資模式、并購(gòu)融資模式
[Abstract]:Small and medium-sized enterprises (SMEs) are an indispensable part of the current economic operation. Like large enterprises, they are important pillars of national economic development and social stability, and play a key role in promoting economic growth and solving employment. However, the development of small and medium-sized enterprises is restricted by various aspects, one of the main obstacles is financing difficulties. Without exception, small and medium-sized enterprises in our country are also facing financing difficulties. The lack of financial resources of small and medium-sized enterprises has seriously affected the long-term development of this group. This paper introduces the present situation of the development of the small and medium-sized enterprises in our country, and analyzes the causes of the difficulties caused by the narrow financing channels and the high financing cost of the small and medium-sized enterprises in our country. On this basis, this paper argues that supply chain finance can solve the financing problem of SMEs well under the current economic situation and financial situation. Then the paper expounds the advantages and limitations of supply chain finance in alleviating the financing dilemma of small and medium-sized enterprises, and introduces the relevant participants and operation process of supply chain finance. Finally, this paper introduces the main financing mode of supply chain finance, and analyzes each mode, and puts forward two new financing models for discussion and practice on the basis of three mainstream financing modes. In order to enrich the supply chain financial model, better solve the financing problem of small and medium enterprises. The conclusion of this paper is as follows: 1. There are many ways to solve the financing dilemma of small and medium-sized enterprises, but the fundamental solution is to solve the problem of information asymmetry between banks and enterprises, and supply chain finance can solve this problem better. The application prospect of supply chain finance should be expected. 2. According to the characteristics of small and medium-sized enterprises, the supply chain financial business combines the main bodies in the supply chain, through the introduction of core enterprises and third party logistics enterprises to achieve the purpose of increasing credit and risk control of upstream and downstream SMEs. To meet the financing needs of SMEs. 3. On the one hand, the financial business of supply chain makes small and medium-sized enterprises get financial support, and the core enterprises can also expand their supply chain; on the other hand, it greatly broadens the business space of commercial banks and logistics enterprises, and brings them new profit growth points. 4. The existing supply chain financing mode has its own advantages, but there are still some shortcomings, which should be improved, and more perfect supply chain financing models should be explored at the same time. 5. Two financing modes for consideration and practice are put forward: order financing mode, M & A financing mode.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F276.3;F832

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