【摘要】：我國中小企業(yè)在推動國民經(jīng)濟持續(xù)快速發(fā)展、緩解就業(yè)壓力、拉動內(nèi)部需求等方面都發(fā)揮了十分重要作用。但由于信用等級普遍較低、缺乏可抵押財產(chǎn)、商業(yè)銀行與企業(yè)之間信息不對稱等原因,融資難成為制約其生存和發(fā)展的主要問題。供應鏈金融是商業(yè)銀行針對中小企業(yè)融資難問題為其量身定做的一種新型融資模式,它基于供應鏈的角度,通過制度創(chuàng)新引入核心企業(yè)以及第三方物流來共同分擔中小企業(yè)的融資風險,既緩解了弱勢企業(yè)的融資困境,同時為銀行帶來了新的盈利模式和理念脈絡,是有效解決中小企業(yè)的融資難的新途徑。 本文通過理論與實際案例相結(jié)合的方法,從整理研究中小企業(yè)融資問題及供應鏈金融的文獻資料入手,結(jié)合具體案例分析闡述了供應鏈金融的概念、特點、融資模式,在其基礎上從中小企業(yè)、商業(yè)銀行、政府三方面對我國中小企業(yè)融資現(xiàn)狀和存在的主要問題以及商業(yè)銀行供應鏈金融服務發(fā)展現(xiàn)狀進行分析,提出供應鏈金融對中小企業(yè)融資的促進作用,然后從系統(tǒng)的角度應用Logistic回歸建立供應鏈金融信用風險評價模型,結(jié)合因子分析對我國供應鏈金融的信用風險進行量化。最后對我國商業(yè)銀行中小企業(yè)供應鏈金融管理針對其存在的問題提出具體的對策。
[Abstract]:Small and medium-sized enterprises in China have played a very important role in promoting the sustained and rapid development of the national economy, alleviating the pressure of employment, stimulating internal demand and so on. However, due to the low credit rating, the lack of mortgaged property, the asymmetry of information between commercial banks and enterprises, the difficulty of financing has become the main problem restricting its survival and development. Supply chain finance is a new financing mode tailored to the financing difficulties of small and medium-sized enterprises by commercial banks, which is based on the point of view of supply chain. The introduction of core enterprises and third-party logistics through institutional innovation to share the financing risks of small and medium-sized enterprises not only alleviates the financing predicament of vulnerable enterprises, but also brings new profit models and ideas to banks. It is a new way to solve the financing difficulties of small and medium-sized enterprises effectively. Through the method of combining theory with practical cases, this paper analyzes the concept, characteristics and financing mode of supply chain finance by sorting out and studying the financing problems of small and medium-sized enterprises and the literature of supply chain finance. On the basis of this, this paper analyzes the present situation and main problems of financing of small and medium-sized enterprises in China from three aspects of small and medium-sized enterprises, commercial banks and the government, as well as the present situation of the development of supply chain financial services of commercial banks. This paper puts forward the promoting effect of supply chain finance on the financing of small and medium-sized enterprises, and then establishes the credit risk evaluation model of supply chain finance by using Logistic regression from a systematic point of view, and quantifies the credit risk of supply chain finance in China with factor analysis. Finally, the supply chain financial management of small and medium-sized enterprises in China's commercial banks in view of its existing problems put forward specific countermeasures.
【學位授予單位】：西安電子科技大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F276.3;F832.4

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