本文關(guān)鍵詞：A公司商業(yè)保理業(yè)務(wù)發(fā)展問題研究　出處：《廣西大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 應(yīng)收賬款融資 保理 商業(yè)保理 研究

【摘要】：中小企業(yè)“融資難”問題由來已久,在實物界和學(xué)術(shù)界都引起對優(yōu)化企業(yè)融資模式的眾多研究,在各種融資模式之中,保理融資獨樹一幟。保理雖然由來已久,但我國保理從“南京愛立信倒戈”事件后,才開始注重保理模式的創(chuàng)新并進(jìn)入快車道。保理按照股東背景分為銀行保理和商業(yè)保理,我國保理市場現(xiàn)狀以銀行保理為絕對主導(dǎo),這與我國融資市場以間接融資為主和商業(yè)保理起步較晚有關(guān)。目前,學(xué)術(shù)界專門針對商業(yè)保理的理論研究涉及較少。隨著我國經(jīng)濟(jì)發(fā)展進(jìn)入新常態(tài),銀行銀根收緊導(dǎo)致中小企業(yè)融資越發(fā)困難。那么是否存在一種逆經(jīng)濟(jì)周期信貸機(jī)制,經(jīng)濟(jì)形勢越是下行,越是能夠刺激這種信貸機(jī)制的發(fā)展?相比較其他信貸機(jī)制,保理正屬于這種信貸機(jī)制。這使得對于商業(yè)保理需求也在不斷增長。商業(yè)保理的發(fā)展從2012年6月商務(wù)部同意在天津濱海新區(qū)、上海浦東新區(qū)兩地開展商業(yè)保理試點開始。隨后,商業(yè)保理行業(yè)得到迅速發(fā)展,截止2015年12月末,商業(yè)保理公司在我國已注冊達(dá)到2514家,相比2014年增長144%,商業(yè)保理資產(chǎn)規(guī)模超過2000億人民幣,比2015年增長150%。A公司成立于2013年是一家發(fā)展較快的商業(yè)保理公司,本文在總結(jié)國內(nèi)外相關(guān)文獻(xiàn)和現(xiàn)有的理論基礎(chǔ)上,系統(tǒng)分析和比較A公司現(xiàn)在開展的商業(yè)保理主要融資模式,并結(jié)合公司的業(yè)務(wù)范圍、應(yīng)對業(yè)務(wù)風(fēng)險等現(xiàn)狀提出了一些促進(jìn)保理業(yè)務(wù)發(fā)展的建議。目前商業(yè)保理呈現(xiàn)小而散的特征,尚未出現(xiàn)領(lǐng)軍企業(yè),希望本文的研究能為商業(yè)保理的發(fā)展提供借鑒。
[Abstract]:The problem of "financing difficulty" of small and medium-sized enterprises has a long history. In the physical and academic circles, there are many studies on optimizing enterprise financing model. Among all kinds of financing models, factoring financing is unique. Factoring has a long history. However, after the defection of Nanjing Ericsson, China's factoring started to focus on the innovation of factoring mode and entered the fast lane. Factoring is divided into bank factoring and commercial factoring according to shareholders' background. The current situation of factoring market in China is dominated by bank factoring, which is related to the indirect financing and the late start of commercial factoring. With the development of our country's economy, the academic circles have entered the new normal with the theoretical research of commercial factoring. Bank tightening makes it more difficult for SMEs to finance. So is there a counter-cyclical credit mechanism, and the more the economic situation is down, the more it can stimulate the development of this credit mechanism? Compared with other credit mechanisms, factoring belongs to this kind of credit mechanism. This makes the demand for commercial factoring also increasing. The development of commercial factoring has been approved by the Ministry of Commerce in Tianjin Binhai New area since June 2012. The commercial factoring trial began in Pudong New area of Shanghai. Then, the commercial factoring industry developed rapidly. By the end of 2015, the commercial factoring companies had registered 2514 in our country. Compared with 2014's increase of 144%, commercial factoring assets exceeded 200 billion yuan. Compared with 2015, the company was founded in 2013. It is a rapidly developing commercial factoring company. This paper summarizes the relevant literature and existing theories at home and abroad. This paper systematically analyzes and compares the main financing modes of commercial factoring that A Company is carrying out now, and combines with the scope of business of the company. This paper puts forward some suggestions to promote the development of factoring business in response to the present situation of business risk. At present, commercial factoring presents the characteristics of small and scattered, and has not yet appeared the leading enterprise. I hope this study can provide reference for the development of commercial factoring.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2

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