【摘要】：在近20年的時(shí)間內(nèi)，隨著經(jīng)濟(jì)全球化的到來和賣方市場向買方市場的轉(zhuǎn)變，保理作為一項(xiàng)集貿(mào)易融資、商業(yè)資信調(diào)查、應(yīng)收賬款管理及信用風(fēng)險(xiǎn)擔(dān)保于一體的綜合性金融服務(wù)，因其所提供的靈活、安全、高效的交易結(jié)算方式而得到了廣泛運(yùn)用，并得到了迅速地發(fā)展。在我國，農(nóng)業(yè)出口企業(yè)普遍存在著融資難，銀行不愿意貸款的問題，而它在各種發(fā)展階段特別是成長階段存在大量的應(yīng)收賬款，那么保理對于農(nóng)業(yè)出口企業(yè)是否適用，它的影響因素又是什么？ 本研究就是為了解決這個(gè)問題，以臺州市農(nóng)業(yè)出口企業(yè)作為研究視角，在系統(tǒng)分析了國內(nèi)外保理業(yè)務(wù)發(fā)展情況的基礎(chǔ)上，實(shí)地調(diào)研了臺州市幾家銀行、農(nóng)業(yè)局、銀監(jiān)會、統(tǒng)計(jì)局等，重點(diǎn)調(diào)研了臺州市特別是天臺縣68家農(nóng)業(yè)出口企業(yè)，通過查閱二手資料，訪談企業(yè)負(fù)責(zé)人，抽樣問卷等方式搜集了大量的數(shù)據(jù)，最后運(yùn)用實(shí)證分析方法對保理對臺州農(nóng)業(yè)出口企業(yè)的適用性及其影響因素進(jìn)行分析，并提出了促進(jìn)保理在臺州市農(nóng)業(yè)出口企業(yè)發(fā)展的對策建議。具體結(jié)論如下： （1）中國保理起步較晚，與歐洲相比，不論是市場以及規(guī)模都經(jīng)歷了發(fā)展壯大的階段，，并且發(fā)展?jié)摿薮蟆Ｖ袊鴮⒗^續(xù)成為全球最大的保理市場。從國際保理業(yè)務(wù)進(jìn)入中國至今，保理業(yè)務(wù)的規(guī)模和市場都經(jīng)歷了迅速發(fā)展階段，且在相關(guān)平臺建設(shè)和制度發(fā)展方面也逐步完善。 （2）臺州農(nóng)業(yè)出口企業(yè)保理普及率不高。根據(jù)對臺州農(nóng)業(yè)出口企業(yè)的調(diào)研發(fā)現(xiàn)，只有10.29％的企業(yè)參與發(fā)展了保理業(yè)務(wù)。絕大部分企業(yè)并未發(fā)展保理業(yè)務(wù)。這跟國家整體保理業(yè)務(wù)發(fā)展情況息息相關(guān)，隨著國內(nèi)保理發(fā)展環(huán)境的優(yōu)化以及相關(guān)法律法規(guī)制度的規(guī)范，臺州農(nóng)業(yè)出口企業(yè)的保理將會有新的發(fā)展。 （3）臺州市保理需求潛力巨大。通過對臺州市參與過保理的企業(yè)進(jìn)行問卷調(diào)查，結(jié)果顯示：敘作保理的企業(yè)規(guī)模偏大、年齡偏小、資產(chǎn)負(fù)債率偏高、財(cái)務(wù)困境偏小、融資難易度偏低、進(jìn)行信貸時(shí)銀行對其抵押品要求較高。但很多企業(yè)是保理發(fā)展的潛在客戶，市場潛力巨大。 （4）我國經(jīng)濟(jì)持續(xù)快速增長，國內(nèi)外保理市場規(guī)模不斷擴(kuò)大。隨著發(fā)展環(huán)境的逐步改善和商業(yè)保理企業(yè)的日益壯大，以及電子商務(wù)保理和供應(yīng)鏈融資等新型保理業(yè)態(tài)的發(fā)展，預(yù)計(jì)商業(yè)保理業(yè)務(wù)規(guī)模將呈現(xiàn)出持續(xù)高速增長態(tài)勢，商業(yè)保理行業(yè)將迎來全新的發(fā)展階段。
[Abstract]:In the past 20 years, with the advent of economic globalization and the transformation from seller's market to buyer's market, factoring is a comprehensive financial service that integrates trade financing, commercial credit survey, accounts receivable management and credit risk guarantee. Because of its flexible, safe and efficient way of settlement, it has been widely used and developed rapidly. In China, agricultural export enterprises generally have difficulties in financing, banks are unwilling to lend, and it has a large number of accounts receivable in various stages of development, especially in the growth stage, so is factoring applicable to agricultural export enterprises? What are the factors that affect it? The purpose of this study is to solve this problem. Based on the systematic analysis of the development of factoring business at home and abroad from the perspective of agricultural export enterprises in Taizhou, several banks, agriculture bureau and CBRC of Taizhou City are investigated on the spot. The Bureau of Statistics, etc., focused on the investigation of 68 agricultural export enterprises in Taizhou City, especially in Tiantai County, and collected a large number of data by consulting second-hand data, interviewing business leaders, and sampling questionnaires. Finally, the applicability of factoring to Taizhou agricultural export enterprises and its influencing factors are analyzed by means of empirical analysis, and the countermeasures and suggestions to promote the development of factoring in Taizhou agricultural export enterprises are put forward. The specific conclusions are as follows: (1) China's factoring started late, compared with Europe, both the market and the size of the market have experienced a growing stage, and the development potential is huge. China will continue to be the world's largest factoring market. Since the entry of international factoring business into China, the scale and market of factoring business have experienced a rapid development stage, and the related platform construction and system development have been gradually improved. (2) the popularization rate of factoring in Taizhou agricultural export enterprises is not high. According to Taizhou agricultural export enterprises survey, only 10.29% of enterprises involved in the development of factoring business. Most enterprises have not developed factoring business. This is closely related to the development of the overall factoring business of the country. With the optimization of the domestic factoring development environment and the regulation of the relevant laws and regulations, the factoring of Taizhou agricultural export enterprises will have a new development. (3) Taizhou City has great potential for factoring. Through a questionnaire survey on the enterprises that have participated in factoring in Taizhou City, the results show that the enterprises that are classified as factoring are on the large scale, the age is too young, the ratio of assets and liabilities is high, the financial distress is small, and the difficulty of financing is low. Banks require a higher level of collateral when credit is made. But many enterprises are the potential customers of factoring development, the market potential is huge. (4) China's economy continues to grow rapidly, and the scale of factoring market at home and abroad continues to expand. With the gradual improvement of the development environment and the growing growth of commercial factoring enterprises, as well as the development of new factoring modes such as e-commerce factoring and supply chain financing, it is expected that the scale of commercial factoring business will show a sustained and high-speed growth trend. Commercial factoring industry will usher in a new stage of development.
【學(xué)位授予單位】：浙江農(nóng)林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F327;F752.62

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