【摘要】：隨著我國(guó)經(jīng)濟(jì)的快速發(fā)展,中小企業(yè)也日益成為市場(chǎng)經(jīng)濟(jì)的重要載體,然而由于中小企業(yè)普遍實(shí)力較弱,信用體系尚未建立,商業(yè)銀行的經(jīng)營(yíng)原則首先是確保安全性,這就把中小企業(yè)這一高風(fēng)險(xiǎn)群體排斥在外,再加上中小企業(yè)擔(dān)保體系等尚未建立,共同形成了中小企業(yè)融資難的困境。如何解決商業(yè)銀行和中小企業(yè)在資金上的供需矛盾,探索出一條銀企雙贏的融資模式一直是研究的焦點(diǎn)。文章指出,解決這一問(wèn)題的基本思路是由商業(yè)銀行在信貸市場(chǎng)上尋找多個(gè)參與者或者利益相關(guān)者,建立一種特殊機(jī)制,共擔(dān)中小企業(yè)融資風(fēng)險(xiǎn),供應(yīng)鏈金融正是滿足這種需求的融資模式,這種金融模式借助與中小企業(yè)同處一條供應(yīng)鏈的大企業(yè)的資信,以及第三方物流企業(yè)的參與管理,不僅解決了中小企業(yè)作為弱勢(shì)一方融資難的問(wèn)題,更重要的意義在于使整條供應(yīng)鏈的資金配置達(dá)到均衡狀態(tài),增強(qiáng)了整體競(jìng)爭(zhēng)力,并搭建了銀行和供應(yīng)鏈上企業(yè)群之間良性互動(dòng)的產(chǎn)業(yè)生態(tài)。然而在商業(yè)銀行大力發(fā)展這項(xiàng)新業(yè)務(wù)的時(shí)候,對(duì)其風(fēng)險(xiǎn)缺乏深刻的認(rèn)識(shí)，還沒(méi)有一套科學(xué)的管理方法，，經(jīng)濟(jì)環(huán)境出現(xiàn)較大波動(dòng)；勢(shì)必會(huì)給銀行帶來(lái)系統(tǒng)性的損失,挫傷銀行的積極性。因此,很有必要對(duì)供應(yīng)鏈金融的相關(guān)理論作系統(tǒng)性的研究,從而揭示供應(yīng)鏈金融對(duì)改善我國(guó)中小企業(yè)融資困境的有效性,并且分析其風(fēng)險(xiǎn),提出建議。
[Abstract]:With the rapid development of our country's economy, SMEs have become an important carrier of market economy day by day. However, due to the weakness of the general strength of SMEs and the fact that the credit system has not yet been established, the management principle of commercial banks is to ensure the safety first. This exclusion of SMEs as a high-risk group, coupled with the SMEs guarantee system has not been established, together with the formation of SMEs financing difficulties. How to solve the contradiction of supply and demand between commercial banks and small and medium-sized enterprises in capital, and explore a win-win financing mode of banks and enterprises has been the focus of research. The paper points out that the basic idea to solve this problem is for commercial banks to look for multiple participants or stakeholders in the credit market and establish a special mechanism to share the financing risks of small and medium-sized enterprises. Supply chain finance is the financing mode to meet this kind of demand. This kind of financial model is based on the credit of large enterprises in the same supply chain with small and medium-sized enterprises, as well as the participation of third party logistics enterprises in management. It not only solves the problem of financing difficulty of small and medium-sized enterprises as a weak party, but also makes the capital allocation of the whole supply chain balanced and enhances the overall competitiveness. The industrial ecology of benign interaction between banks and supply chain enterprises is also built. However, when the commercial banks vigorously develop this new business, they lack a deep understanding of its risks, there is no scientific management method, and the economic environment fluctuates greatly. It is bound to bring systemic losses to the banks, dampening the enthusiasm of the banks. Therefore, it is necessary to make a systematic study on the relevant theories of supply chain finance, so as to reveal the effectiveness of supply chain finance in improving the financing difficulties of small and medium-sized enterprises in China, and to analyze its risks and put forward some suggestions.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F275;F832.4;F276.3

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