本文關(guān)鍵詞：基于供應(yīng)鏈融資的中小企業(yè)信貸風(fēng)險評估研究　出處：《北京交通大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：中小企業(yè)的數(shù)量占到企業(yè)總數(shù)的99%,其對于我國國民經(jīng)濟的發(fā)展有著不可替代的作用。不過中小企業(yè)所做出的貢獻(xiàn)與其所獲得的信貸支持并不成比例,資金瓶頸一直困擾著中小企業(yè),成為阻礙其發(fā)展的首要問題。隨著銀行競爭形勢不斷變化,中小企業(yè)日益成為商業(yè)銀行發(fā)展的戰(zhàn)略性目標(biāo),如果能找到好的切入路徑和科學(xué)方法來評估中小企業(yè)的信用,控制其風(fēng)險,為中小企業(yè)提供融資業(yè)務(wù),就能夠為銀行帶來新的利潤。供應(yīng)鏈融資模式正是在這種背景下應(yīng)運而生,它從供應(yīng)鏈角度對中小企業(yè)開展綜合授信,并將對單個企業(yè)的風(fēng)險管理轉(zhuǎn)變?yōu)閷⿷?yīng)鏈的風(fēng)險管理,更加強調(diào)供應(yīng)鏈的穩(wěn)定性、貿(mào)易背景的真實性以及受信企業(yè)貿(mào)易伙伴的資信和實力,從而將信貸風(fēng)險從單個企業(yè)轉(zhuǎn)化到整個供應(yīng)鏈體系中。 本文首先闡述了研究的背景、意義和思路,相關(guān)的文獻(xiàn)綜述,繼而引出相關(guān)概念和內(nèi)涵,對供應(yīng)鏈融資的理論進(jìn)行詳細(xì)闡述。并分析了供應(yīng)鏈融資模式下中小企業(yè)的信貸風(fēng)險,運用層次分析法和灰色綜合評價法構(gòu)建了供應(yīng)鏈融資模式下的中小企業(yè)信貸風(fēng)險評估體系,結(jié)合具體案例分別對中小企業(yè)在供應(yīng)鏈融資模式下和傳統(tǒng)融資模式下信貸風(fēng)險進(jìn)行評估,并作對比分析,顯示出供應(yīng)鏈融資的優(yōu)越性。證明了供應(yīng)鏈融資跳出了為單個企業(yè)提供授信的局限,站在產(chǎn)業(yè)鏈的角度為整個供應(yīng)鏈成員企業(yè)提供信貸支持,擴寬了銀行的業(yè)務(wù)領(lǐng)域,將中小企業(yè)的單個風(fēng)險轉(zhuǎn)移到整條供應(yīng)鏈中,從而實現(xiàn)風(fēng)險弱化。通過對供應(yīng)鏈中物流和資金流的有效整合,促進(jìn)了供應(yīng)鏈核心企業(yè)與上下游中小企業(yè)的業(yè)務(wù)穩(wěn)定,有利于形成銀行、企業(yè)和供應(yīng)鏈三者共同發(fā)展的良性產(chǎn)業(yè)生態(tài)環(huán)境。
[Abstract]:The number of SMEs accounts for 99% of the total number of enterprises, which plays an irreplaceable role in the development of our national economy. However, the contribution made by SMEs is not proportional to the credit support they receive. The capital bottleneck has been puzzling the small and medium-sized enterprises (SMEs) and has become the primary problem that hinders their development. With the changing competition situation of the banks, the SMEs have become the strategic target of the development of commercial banks. If we can find a good approach and scientific methods to evaluate the credit of SMEs, control their risks, and provide financing business for SMEs. It is under this background that the supply chain financing mode emerges as the times require, and it carries out comprehensive credit to small and medium-sized enterprises from the perspective of supply chain. And the risk management of a single enterprise will be transformed into the risk management of the supply chain, more emphasis on the stability of the supply chain, the authenticity of the trade background, as well as the credit and strength of the trusted enterprise trading partners. In order to transform credit risk from a single enterprise to the entire supply chain system. This paper first describes the research background, significance and ideas, related literature review, and then leads to the relevant concepts and connotations. The theory of supply chain financing is expounded in detail, and the credit risk of small and medium-sized enterprises under supply chain financing mode is analyzed. The credit risk assessment system of small and medium-sized enterprises under supply chain financing model is constructed by using AHP and grey comprehensive evaluation method. Combined with specific cases of SMEs in the supply chain financing model and traditional financing mode of credit risk assessment, and make a comparative analysis. It shows the superiority of supply chain financing. It proves that supply chain financing has jumped out of the limitation of providing credit to individual enterprises and provided credit support to the whole supply chain member enterprises from the angle of industry chain. It broadens the business domain of the bank and transfers the single risk of the small and medium-sized enterprises to the whole supply chain so as to realize the risk weakening. Through the effective integration of the logistics and the capital flow in the supply chain. It promotes the business stability of supply chain core enterprises and upstream and downstream small and medium-sized enterprises, and is conducive to the formation of a benign industrial ecological environment in which banks, enterprises and supply chains develop together.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F832.4;F275

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