本文選題：保兌倉 + 融資��； 參考：《浙江師范大學(xué)》2014年碩士論文

【摘要】：中小企業(yè)融資困難是全世界所面臨的難題,在我國這個問題尤為嚴(yán)重。近年來,隨著金融業(yè)的不斷創(chuàng)新和發(fā)展,涌現(xiàn)出了許多新的金融產(chǎn)品來化解廣大中小企業(yè)的融資難困局。其中,保兌倉融資就是其中的創(chuàng)新融資模式之一。保兌倉融資是在現(xiàn)代物流與現(xiàn)代的金融創(chuàng)新結(jié)合的產(chǎn)物,它是一種將融資授信從原來的單個逐一考察企業(yè)到現(xiàn)在集中考察整個生產(chǎn)鏈,通過整合整個供應(yīng)鏈的資本流、物流和信息流,對供應(yīng)鏈中的整個上下游綜合考察整個保兌倉融資的還貸能力,借助核心企業(yè)的信用和信貸,來給生產(chǎn)商、中間生產(chǎn)商、核心企業(yè)、下游分銷商提供整體融資授信,為核心企業(yè)下游中小企業(yè)提供相應(yīng)的融資服務(wù)。通過采用保兌倉融資,能從根本上緩解供應(yīng)鏈中廣大中小企業(yè)的資金流狀況,切實(shí)提高整個供應(yīng)鏈的穩(wěn)定性和資金使用效率,有效地提高各方收益的一種新型的金融創(chuàng)新模式。本論文主要從供應(yīng)鏈角度分析了保兌倉融資,主要分析了保兌倉融資的運(yùn)行機(jī)理、各成員的決策過程與各成員的收益等。文章重點(diǎn)研究了下述幾個方面： 首先,對保兌倉融資展開定性研究。先將保兌倉融資的概念、發(fā)展過程、特點(diǎn)進(jìn)行分析,然后從運(yùn)作主體、運(yùn)行機(jī)理等方面構(gòu)建了一種由多方參與的保兌倉融資。 其次,通過定量分析,對比分析了保兌倉融資與傳統(tǒng)融資模式的具體收益,并重點(diǎn)研究了參與保兌倉融資的銀行的利率決策與風(fēng)險大小、經(jīng)銷商的訂貨決策過程,探討了保兌倉融資對整個供應(yīng)鏈的績效影響。得出保兌倉融資績效明顯優(yōu)于傳統(tǒng)的有資金約束的供應(yīng)鏈融資模式的結(jié)論及決定經(jīng)銷商的訂貨因素和銀行的利率等相關(guān)表達(dá)式。 再次,分析了保兌倉融資面臨的風(fēng)險以及相應(yīng)的風(fēng)險防范措施。 最后,通過一個具體的保兌倉融資的案例來分析檢驗(yàn)論文的相關(guān)結(jié)論。通過一個具體案例分析,將案例模型化后,在代入具體數(shù)值進(jìn)行運(yùn)算,得出具體的直觀的數(shù)字,將模擬結(jié)果來驗(yàn)證本文的結(jié)論。 本論文通過以上方面的分析研究,得出了保兌倉融資明顯優(yōu)于傳統(tǒng)供應(yīng)鏈融資,且通過采用保兌倉融資,不僅能夠使得廣大中小企業(yè)能夠進(jìn)行有效融資,同時也使得銀行與上游供應(yīng)商企業(yè)能夠獲得比中小企業(yè)在傳統(tǒng)融資模式下更多的利益。此外,通過定量分析銀行的利率決策因素和經(jīng)銷商的訂貨策略,為銀行等金融機(jī)構(gòu)和經(jīng)銷商企業(yè)的實(shí)際決策提供了理論的證明與指導(dǎo)。 總之,本文對保兌倉融資的優(yōu)勢分析、特點(diǎn)的研究進(jìn)一步豐富了保兌倉融資的實(shí)證研究,對比分析了保兌倉融資與傳統(tǒng)供應(yīng)鏈融資的具體差異,同時結(jié)合了銀行的利率決策與區(qū)域經(jīng)銷商的訂貨策略的定量分析等具有一定的創(chuàng)新性,可為銀行、保兌倉融資中的中下游中小企業(yè)提供參照與指導(dǎo)。
[Abstract]:The financing difficulty of small and medium-sized enterprises is a difficult problem all over the world, especially in our country. In recent years, with the continuous innovation and development of the financial industry, many new financial products have emerged to solve the financing difficulties of small and medium-sized enterprises. Among them, confirmed position financing is one of the innovative financing modes. Confirmed warehouse financing is the product of the combination of modern logistics and modern financial innovation. It is a kind of capital flow that integrates the whole supply chain by integrating the whole supply chain. Logistics and information flow, to the entire upstream and downstream of the supply chain, a comprehensive study of the entire confirmed warehouse financing ability to repay loans, with the help of the credit and credit of the core enterprises, to producers, intermediate producers, core enterprises, The downstream distributor provides the whole financing credit, and provides the corresponding financing service for the core enterprise downstream small and medium-sized enterprises. By using confirmed warehouse financing, the capital flow of small and medium-sized enterprises in the supply chain can be alleviated fundamentally, the stability and efficiency of the whole supply chain can be improved, and a new financial innovation mode can effectively improve the income of all parties. This paper mainly analyzes the financing of confirmed positions from the point of view of supply chain, mainly analyzes the operating mechanism of the financing of confirmed positions, the decision-making process of each member and the income of each member, etc. This paper focuses on the following aspects: Firstly, qualitative research on confirmed position financing is carried out. Firstly, the concept, development process and characteristics of confirmed position financing are analyzed, and then a kind of confirmed position financing is constructed from the aspects of operation subject, operation mechanism and so on. Secondly, through quantitative analysis, the paper compares and analyzes the specific income of confirmed position financing and traditional financing mode, and focuses on the interest rate decision and risk size of the bank participating in confirmed position financing, and the ordering decision-making process of dealers. This paper discusses the effect of confirmed position financing on the performance of the whole supply chain. The conclusion that the performance of confirmed position financing is obviously superior to the traditional supply chain financing model with financial constraints and the relevant expressions such as the order factor of the dealer and the interest rate of the bank are obtained. Thirdly, the paper analyzes the risk of confirmed position financing and the corresponding risk prevention measures. Finally, through a specific confirmed position financing case to analyze the relevant conclusions of the test paper. Through a specific case analysis, the case is modeled, and the concrete numerical value is added to the operation, and the concrete and intuitive numbers are obtained, and the simulation results are used to verify the conclusion of this paper. Through the above analysis and research, this paper concludes that confirmed warehouse financing is obviously superior to traditional supply chain financing, and through the adoption of confirmed warehouse financing, it can not only make the majority of small and medium-sized enterprises to carry out effective financing. At the same time, banks and upstream suppliers can gain more benefits than SMEs in the traditional financing mode. In addition, through the quantitative analysis of the interest rate decision factors of the bank and the ordering strategy of the dealer, it provides theoretical proof and guidance for the bank and other financial institutions and dealer enterprises to make the actual decision. In a word, this paper analyzes the advantages of confirmed position financing, and further enriches the empirical research on confirmed position financing, and compares the differences between confirmed position financing and traditional supply chain financing. At the same time, it combines the interest rate decision of the bank and the quantitative analysis of the order strategy of the regional dealer, which can provide reference and guidance for the middle and downstream SMEs in the financing of the bank and confirmed warehouse.
【學(xué)位授予單位】：浙江師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F259.23;F832.4

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