【摘要】：伴隨著國家十三五計劃的大力推進(jìn),我國經(jīng)濟(jì)結(jié)構(gòu)調(diào)整與改革開放不斷深入,中小企業(yè)作為國民經(jīng)濟(jì)的重要組成部分,其在經(jīng)濟(jì)建設(shè)中所起的作用也日益顯著。中小企業(yè)已經(jīng)逐漸成為拉動內(nèi)需,刺激消費(fèi),促進(jìn)經(jīng)濟(jì)發(fā)展的關(guān)鍵,除此之外,中小企業(yè)還能夠?yàn)樯鐣峁┮欢ǖ墓ぷ鲘徫?維護(hù)社會穩(wěn)定,部分創(chuàng)新型中小企業(yè)甚至可以成為新領(lǐng)域、新產(chǎn)業(yè)的生力軍。但是,中小企業(yè)的發(fā)展?fàn)顩r卻不容樂觀,中小企業(yè)由于規(guī)模小、資金少、技術(shù)落后,其在融資方面一直以來都缺乏相應(yīng)支持,中小企業(yè)融資難已經(jīng)成為制約中小企業(yè)快速發(fā)展的主要問題。如何解決中小企業(yè)難問題,如何扶持中小企業(yè)成長等問題已成為國家政策性問題,而此問題直接影響我國的經(jīng)濟(jì)發(fā)展與結(jié)構(gòu)調(diào)整。本文首先從理論闡述了供應(yīng)鏈融資方式,此類融資方式能夠給中小企業(yè)在融資方面帶來一定的幫助。同時相比常規(guī)的融資方式存在的明顯優(yōu)勢。其次,在文中同時介紹了國內(nèi)的銀行界對供應(yīng)鏈融資所采取的積極態(tài)度,主要通過介紹M銀行的供應(yīng)鏈融資業(yè)務(wù)的發(fā)展。通過對M銀行的供應(yīng)鏈融資業(yè)務(wù)的研究,從而得出分析結(jié)論,通過結(jié)論引發(fā)出相關(guān)的啟示,啟示包含了各個行業(yè),各個角度,各個經(jīng)濟(jì)角色。通過本文的研究能夠?qū)χ行∑髽I(yè)的融資給出一定的意見。由于供應(yīng)鏈融資的特殊性,中小企業(yè)如能夠利用供應(yīng)鏈融資的方式,能夠減少企業(yè),銀行,國家的風(fēng)險損失。本文共分為五個部分,第一部分介紹了我國中小企業(yè)供應(yīng)鏈融資的大環(huán)境以及相關(guān)理論研究進(jìn)程。第二部分對供應(yīng)鏈融資的起源、含義、種類進(jìn)行了介紹,后對供應(yīng)鏈融資業(yè)務(wù)的風(fēng)險控制理論以及產(chǎn)品營銷理論均展開了介紹。第三部分對M銀行以及M銀行的業(yè)務(wù)發(fā)展現(xiàn)狀進(jìn)行了詳細(xì)的描述,更重要的是分析了M銀行開展供應(yīng)鏈融資業(yè)務(wù)所存在的問題及原因。第四部分主要針對M銀行出現(xiàn)的問題給出建議及保障措施。第五部分對M銀行的業(yè)務(wù)實(shí)例進(jìn)行分析,并著重列舉了經(jīng)典案例給我們帶來的啟示,結(jié)合目前我國中小企業(yè)供應(yīng)鏈融資存在的問題,進(jìn)行了較為深入的探討與分析,并提出建議,同時結(jié)合筆者的實(shí)際工作給出了關(guān)于銀行端,金融政策方面的建議。
[Abstract]:With the promotion of the 13th Five-Year Plan, China's economic restructuring and reform and opening up continue to deepen. As an important part of the national economy, small and medium-sized enterprises play a more and more important role in economic construction. Small and medium-sized enterprises have gradually become the key to stimulating domestic demand, stimulating consumption, and promoting economic development. In addition, small and medium-sized enterprises can also provide certain jobs for society and maintain social stability. Some innovative small and medium-sized enterprises can even become new areas, new industries. However, the development of small and medium-sized enterprises is not optimistic. Because of their small scale, small capital and backward technology, they have been lack of corresponding support in financing. The financing difficulty of small and medium-sized enterprises has become the main problem restricting the rapid development of small and medium-sized enterprises. How to solve the difficult problem of small and medium-sized enterprises and how to support the growth of small and medium-sized enterprises has become a national policy problem, which directly affects the economic development and structural adjustment of our country. This paper first expounds the supply chain financing method from the theory, this kind of financing way can bring the certain help to the small and medium-sized enterprise in the aspect of financing. At the same time, there are obvious advantages over conventional financing. Secondly, this paper also introduces the positive attitude of domestic banks to supply chain financing, mainly through the introduction of M Bank's development of supply chain financing business. Through the research on the supply chain financing business of M Bank, the conclusion of the analysis is drawn, and the relevant enlightenment is obtained through the conclusion, which includes various industries, various angles, and various economic roles. Through the research of this paper, we can give some opinions on the financing of small and medium enterprises. Because of the particularity of supply chain financing, if small and medium-sized enterprises can make use of supply chain financing, they can reduce the risk loss of enterprises, banks and countries. This paper is divided into five parts. The first part introduces the environment of SMEs supply chain financing and related theoretical research process. The second part introduces the origin, meaning and types of supply chain financing, and then introduces the risk control theory of supply chain financing and the theory of product marketing. The third part describes the current situation of M Bank and M Bank in detail. More importantly, it analyzes the problems and causes of M Bank developing supply chain financing business. The fourth part mainly gives the suggestion and the safeguard measure to the problem which the M bank appears. The fifth part analyzes the business examples of M Bank, and enumerates the enlightenment brought to us by the classic cases, combined with the problems existing in the supply chain financing of small and medium-sized enterprises in our country at present, carries on the comparatively thorough discussion and the analysis. At the same time, some suggestions on bank and financial policy are given in combination with the author's practical work.
【學(xué)位授予單位】：江西財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33;F276.3

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