基于物流金融的濰坊市中小企業(yè)融資研究
發(fā)布時間：2018-08-12 11:51
【摘要】：中小企業(yè)是國民經(jīng)濟(jì)中最具有活力的組成部分,改革開放以來,濰坊市中小企業(yè)得到蓬勃發(fā)展,迅速發(fā)展壯大。目前,濰坊市中小企業(yè)總數(shù)已達(dá)5萬家,占企業(yè)總數(shù)的95%以上。其在海洋化工、動力機(jī)械、農(nóng)用運(yùn)輸車、服裝及裝飾面料、電子通訊及信息處理、化學(xué)纖維、新型建筑材料、醫(yī)藥及保健品、食品飲料、造紙包裝等濰坊市十大產(chǎn)業(yè)中均占有較大的市場份額,在濰坊市的經(jīng)濟(jì)發(fā)展中占據(jù)越來越重要的地位。但是中小企業(yè)在發(fā)展過程中融資難的問題也日益突出,成為了濰坊市中小企業(yè)發(fā)展的瓶頸,嚴(yán)重制約著濰坊中小企業(yè)的發(fā)展,這主要是由于中小企業(yè)本身的規(guī)模、信譽(yù)等方面的質(zhì)素有限,無法獲得銀行的信用貸款,同時由于其優(yōu)質(zhì)資產(chǎn)不足,在貸款時無法提供優(yōu)良的抵押品和擔(dān)保措施,導(dǎo)致中小企業(yè)從銀行貸款的難度很大,大部分中小企業(yè)依賴于民間借貸,而民間借貸由于其不穩(wěn)定性并不能解決中小企業(yè)的融資難題。隨著物流業(yè)的不斷發(fā)展,一些學(xué)者提出物流金融可以解決這一融資難題。 本文在前人研究的基礎(chǔ)上,通過閱讀大量的國內(nèi)外參考文獻(xiàn),總結(jié)概括了在中小企業(yè)融資領(lǐng)域和物流金融領(lǐng)域前人相關(guān)的研究成果。并在初步了解了濰坊市中小企業(yè)的發(fā)展?fàn)顩r的基礎(chǔ)上,通過調(diào)查問卷的方法實(shí)地走訪了山東省濰坊市內(nèi)的有代表性的60家中小企業(yè),得到了第一手的資料,通過這些資料分析了濰坊中小企業(yè)融資過程中存在的突出問題,并運(yùn)用模糊綜合評判法對濰坊市中小企業(yè)融資過程中不同的融資方式進(jìn)行比較分析,發(fā)現(xiàn)對于濰坊市中小企業(yè)而言物流金融是最優(yōu)融資方式。然后結(jié)合濰坊市的經(jīng)濟(jì)法律環(huán)境,并運(yùn)用徐明川于2006年提出的博弈模型證明了物流金融在濰坊中小企業(yè)融資中的可行性。最后引入了濰坊銀行鋼材物流金融事業(yè)部開展物流金融的案例,通過該案例總結(jié)了在運(yùn)用物流金融對中小企業(yè)融資過程中存在的風(fēng)險(xiǎn),并提出了相應(yīng)的風(fēng)險(xiǎn)控制對策。
[Abstract]:Small and medium-sized enterprises are the most dynamic part of the national economy. Since the reform and opening up, Weifang small and medium-sized enterprises have been booming and growing rapidly. At present, the total number of small and medium-sized enterprises in Weifang has reached 50,000, accounting for more than 95% of the total number of enterprises. In marine chemical industry, power machinery, agricultural transport vehicle, clothing and decorative fabric, electronic communication and information processing, chemical fiber, new building materials, medicine and health products, food and beverage, The ten industries in Weifang, such as papermaking and packaging, occupy a larger market share and occupy a more and more important position in the economic development of Weifang. However, the problem of financing difficulties in the development of small and medium-sized enterprises has become increasingly prominent, which has become the bottleneck of the development of small and medium-sized enterprises in Weifang, and has seriously restricted the development of small and medium-sized enterprises in Weifang. This is mainly due to the size of the small and medium-sized enterprises themselves. The quality of credit, such as credit, is limited and it is impossible to obtain credit loans from banks. At the same time, because of their insufficient quality assets, they are unable to provide good collateral and guarantee measures when making loans, which makes it very difficult for small and medium-sized enterprises to borrow from banks. Most SMEs rely on private lending, and private lending can not solve the financing problem of SMEs because of its instability. With the development of logistics industry, some scholars propose that logistics finance can solve this financing problem. On the basis of previous studies, this paper summarizes the related research results in the field of SME financing and logistics finance by reading a large number of references at home and abroad. And on the basis of preliminary understanding of the development of small and medium-sized enterprises in Weifang City, through the method of questionnaire, we have visited 60 representative small and medium-sized enterprises in Weifang City, Shandong Province, and obtained first-hand information. Through these data, this paper analyzes the outstanding problems in the process of financing of Weifang small and medium-sized enterprises, and makes a comparative analysis of different financing methods in the process of financing of small and medium-sized enterprises in Weifang by using the fuzzy comprehensive evaluation method. It is found that logistics finance is the best financing method for small and medium enterprises in Weifang. Then combining the economic and legal environment of Weifang City and using the game model proposed by Xu Mingchuan in 2006, the feasibility of logistics finance in Weifang SME financing is proved. Finally, the paper introduces the case of Weifang Bank Steel Logistics Financial Division to carry out logistics finance, summarizes the risks in the process of using logistics finance to finance small and medium-sized enterprises, and puts forward the corresponding risk control countermeasures.
【學(xué)位授予單位】：安徽理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F252;F275;F276.3;F832.4
本文編號：2178975
[Abstract]:Small and medium-sized enterprises are the most dynamic part of the national economy. Since the reform and opening up, Weifang small and medium-sized enterprises have been booming and growing rapidly. At present, the total number of small and medium-sized enterprises in Weifang has reached 50,000, accounting for more than 95% of the total number of enterprises. In marine chemical industry, power machinery, agricultural transport vehicle, clothing and decorative fabric, electronic communication and information processing, chemical fiber, new building materials, medicine and health products, food and beverage, The ten industries in Weifang, such as papermaking and packaging, occupy a larger market share and occupy a more and more important position in the economic development of Weifang. However, the problem of financing difficulties in the development of small and medium-sized enterprises has become increasingly prominent, which has become the bottleneck of the development of small and medium-sized enterprises in Weifang, and has seriously restricted the development of small and medium-sized enterprises in Weifang. This is mainly due to the size of the small and medium-sized enterprises themselves. The quality of credit, such as credit, is limited and it is impossible to obtain credit loans from banks. At the same time, because of their insufficient quality assets, they are unable to provide good collateral and guarantee measures when making loans, which makes it very difficult for small and medium-sized enterprises to borrow from banks. Most SMEs rely on private lending, and private lending can not solve the financing problem of SMEs because of its instability. With the development of logistics industry, some scholars propose that logistics finance can solve this financing problem. On the basis of previous studies, this paper summarizes the related research results in the field of SME financing and logistics finance by reading a large number of references at home and abroad. And on the basis of preliminary understanding of the development of small and medium-sized enterprises in Weifang City, through the method of questionnaire, we have visited 60 representative small and medium-sized enterprises in Weifang City, Shandong Province, and obtained first-hand information. Through these data, this paper analyzes the outstanding problems in the process of financing of Weifang small and medium-sized enterprises, and makes a comparative analysis of different financing methods in the process of financing of small and medium-sized enterprises in Weifang by using the fuzzy comprehensive evaluation method. It is found that logistics finance is the best financing method for small and medium enterprises in Weifang. Then combining the economic and legal environment of Weifang City and using the game model proposed by Xu Mingchuan in 2006, the feasibility of logistics finance in Weifang SME financing is proved. Finally, the paper introduces the case of Weifang Bank Steel Logistics Financial Division to carry out logistics finance, summarizes the risks in the process of using logistics finance to finance small and medium-sized enterprises, and puts forward the corresponding risk control countermeasures.
【學(xué)位授予單位】：安徽理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F252;F275;F276.3;F832.4
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