本文選題：供應(yīng)鏈融資 + 中小企業(yè)　； 參考：《遼寧大學(xué)》2012年碩士論文

【摘要】：中小企業(yè)對(duì)我國的經(jīng)濟(jì)發(fā)展和社會(huì)穩(wěn)定發(fā)揮著越來越重要的作用，但是中小企業(yè)面臨的生存與發(fā)展問題依然存在，尤其是中小企業(yè)的融資問題，仍然是中小企業(yè)面臨的最重要的難題之一。針對(duì)這一問題，各國都有過許多的解決方案，例如融通倉融資，應(yīng)收賬款融資等。商業(yè)銀行基于供應(yīng)鏈的角度進(jìn)行了產(chǎn)品創(chuàng)新，供應(yīng)鏈融資的出現(xiàn)在一定程度上改善了中小企業(yè)的困境。供應(yīng)鏈融資是銀行運(yùn)用結(jié)構(gòu)性短期融資工具，基于商品交易中的存貨、預(yù)付款、應(yīng)收賬款等資產(chǎn)的融資。供應(yīng)鏈融資的便捷也為大的企業(yè)帶來了便利，因此供應(yīng)鏈融資已經(jīng)成為學(xué)術(shù)界研究的熱點(diǎn)。研究供應(yīng)鏈融資相關(guān)的理論是非常重要的，對(duì)于企業(yè)以及中國的經(jīng)濟(jì)發(fā)展都有積極的推動(dòng)作用。 本文在概述供應(yīng)鏈融資及信用風(fēng)險(xiǎn)基本理論的基礎(chǔ)上，主要分析供應(yīng)鏈融資中所存在的信用風(fēng)險(xiǎn)，，以及風(fēng)險(xiǎn)產(chǎn)生的影響因素，利用KMV模型分析信用風(fēng)險(xiǎn)各個(gè)因素所占的份額，從而得出在供應(yīng)鏈融資中應(yīng)該主要關(guān)注的信用風(fēng)險(xiǎn)因素，并提出相應(yīng)的對(duì)策與操作建議。第一部分主要介紹供應(yīng)鏈融資以及信用風(fēng)險(xiǎn)的基本內(nèi)容，包括供應(yīng)鏈融資概念、特點(diǎn)以及中小企業(yè)的界定和信用風(fēng)險(xiǎn)的相關(guān)概念。第二部分主要是實(shí)證分析信用風(fēng)險(xiǎn)的主要度量問題，研究商業(yè)銀行在供應(yīng)鏈融資授信時(shí)所考慮的主要影響因素，重點(diǎn)是利用KMV模型具體分析商業(yè)銀行的授信過程中主要的考慮因素。第三部分主要對(duì)供應(yīng)鏈融資的三種主要運(yùn)作模式進(jìn)行介紹并介紹相應(yīng)模式下的風(fēng)險(xiǎn)因素及規(guī)避方法。最后在上述實(shí)證分析的基礎(chǔ)上，對(duì)于我國中小企業(yè)供應(yīng)鏈融資模式與信用風(fēng)險(xiǎn)問題提出一般結(jié)論及相應(yīng)的對(duì)策和操作建議，對(duì)于供應(yīng)鏈金融的未來發(fā)展做出展望。 本文的研究主要集中于應(yīng)用研究，有一定的創(chuàng)新點(diǎn)，同時(shí)也期望對(duì)于供應(yīng)鏈融資的實(shí)踐以及改善有一定的積極推動(dòng)作用。
[Abstract]:Small and medium-sized enterprises play a more and more important role in the economic development and social stability of our country. However, the survival and development of small and medium-sized enterprises still exist, especially the financing problem of small and medium-sized enterprises. It is still one of the most important problems faced by SMEs. For this problem, countries have many solutions, such as margin financing, accounts receivable financing and so on. Commercial banks carry on product innovation based on supply chain, and the emergence of supply chain financing improves the plight of SMEs to a certain extent. Supply chain financing is the use of structured short-term financing instruments, based on commodity transactions in the inventory, advances, accounts receivable and other assets financing. The convenience of supply chain financing also brings convenience to large enterprises, so supply chain financing has become a hot research topic in academia. It is very important to study the theory of supply chain financing, which can promote the economic development of enterprises and China. On the basis of summarizing the basic theory of supply chain financing and credit risk, this paper mainly analyzes the credit risk existing in the supply chain financing and the influencing factors of the risk, and uses KMV model to analyze the share of each factor of the credit risk. The credit risk factors which should be paid attention to in the supply chain financing are obtained, and the corresponding countermeasures and operational suggestions are put forward. The first part mainly introduces the supply chain financing and the basic content of credit risk, including supply chain financing concept, characteristics, the definition of small and medium-sized enterprises and credit risk related concepts. The second part is the empirical analysis of the main measurement of credit risk, the main factors that commercial banks consider in the supply chain financing credit. The key point is to use KMV model to analyze the main factors in the credit granting process of commercial banks. The third part mainly introduces the three main operation modes of supply chain financing and introduces the risk factors and evading methods under the corresponding mode. Finally, based on the above empirical analysis, the paper puts forward general conclusions and corresponding countermeasures and operational suggestions for the financing mode and credit risk of the supply chain of small and medium-sized enterprises in China, and makes a prospect for the future development of the supply chain finance. The research in this paper is mainly focused on the applied research, which has some innovation points, but also expects to have a positive role in promoting the practice and improvement of supply chain financing.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F276.3;F274;F832.2

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