本文首先分析了我国中小企业的自身特点,并对其融资难现状及其原
因进行了比较深入地探析,进而重点分析研究各供应链金融融资模式,&39;旨
在探讨供应链金融解决中小企业融资问题的实现机制,并引入L市中小
企业运用供应链金融进行融资的成功案例,通过翔实的研究,创新性地论
证了供应链金融模式对缓解中小企业融资难问题的可行性和积极效果,并
得出以下主要研究结论.一、供应链金融模式实行具有可行性;二、供应
链金融有多种模式,各有优势;三、供应链金融模式的选取具有灵活性和
针对性;四、风险的防范对供应链金融模式的成功应用具有重要性。最后,
基于以上研究结论,分别从银行、企业、政府方面提出三点主要建议:一、
金融机构降低银行筹资成本、减少续贷环节,从根本上降低小微企业融资
成本;二、中小企业加强自身整体实力,增强自身信用水平;三、政府应
为供应链融资创造良好的商业环境,为参与方提供优良服务
关键词:供应链金融,中小企业,融资模式
I
北京化工人学专业硕:丨.学位论文
RESEARCH ON FINANCING MODELS OF SMALL AND
MEDIUM SIZED ENTERPRISES IN L BASED ON SUPPLY
CHAIN FINANCE
ABSTRACT
With the rapid development of China&39;s SMEs, SMEs has become the
backbone of China’s economic growth.Because of SMEs’s own characteristics,
especially affected by the current economic slowdown in China,the financing
and financing channels are particularly scarce. Under the impact of credit risk,
in order to ensure the safety of their own funds, Financial institutions carefully
select of lending targets, slow down the pace of lending, reduce the size of the
loan.In this case, in order to solve the financing problem of SMEs, supply
chain finance emerges.The supply chain finance concept combines ideas of
traditional supply chain, supply chain of all enterprises as a whole, the SMEs,
core enterprises, financial institutions, logistics enterprises closely
together.Thus, supply chain finance makes the supply chain upstream and
downstream enterprise funds mutual financing, provides the new path to
alleviate the shortage of funds of SMEs.
This paper first analyzes the characteristics of China&39;s SMEs, and probes
into the financing situation and the reasons, and then focuses on the analysis
of the financing model of supply chain finance, aims to explore the realization
mechanism of supply chain finance to solve the financing problems of SMEs,
and the introduction of L for small and medium sized enterprises based on the
supply chain financial success the case of financing, the detailed research,
innovation and positive effect of the demonstration of the possibility of the
financial model of the supply chain to ease the financing difficulties of small
and medium-sized enterprises.And drawing the following conclusions: firstly,
the financial model of the supply chain has the feasibility; secondly, the
financial supply chain has a variety of models, and each has advantages;
i
北京化工大学专业硕.丨:学位论文
thirdly, flexible and targeted selection of supply chain financial model; fourth,
the successful application of supply chain finance model cannot do without the
risk prevention; fifth, application the financial model of the supply chain in
our country has still many problems.Finally, based on the above research
conclusion, the paper puts forward three main suggestions from the bank, the
enterprise, the government:firstly, financial institutions reduce the cost of bank
financing and the continuation of the link, to reduce the cost of financing
small and micro enterprises;secondly, SMEs strengthen their overall strength
and enhance their credit level;thirdly,government should create a good
business environment for supply chain financing and provide excellent service
to the participants.
KEY WORDS: Supply chain finance, SMEs, financing model
北京化工大学专业硕I.学位论文
目录
第一章绪论 1
1.1研究背景及意义1.1.1研究背景 1
1. 1.2研究意义 2
1.2研究思路和研究方法1.2.1研究思路 2
1.2.2研究方法 3
1.3研究框架 3
1.4论文的创新点 4
第二章文献综述2.1国外研究现状 5
2.2国内研究现状 6
2.3文献述评 ..7
第三章我国中小企业融资现状与问题3.1我国中小企业的特征和作用3. 1. 1我国中小企业的特征3. 1.2我国中小企业的作用3.2我国中小企业融资现状分析
1〇
3.3中小企业的融资难原因分析3. 3. 1内部原因 11
3.3.2外部原因 12
第四章供应链金融视角中小企业融资实现机制4.1供应链金融视角中小企业融资模式的建立4. 1.1供应链融资模式的建立4. 1.2供应链融资模式分类4.2中小企业供应链融资中各阶段融资模式分析4.2. 1中小企业采购链融资4.2.2中小企业生产链融资4.2.3中小企业销售链融资第五章L市中小企业供应链金融案例研究5.1 L市中小企业发展现状分析5. 1.1经济运行稳中有进III
北京化工大学专业硕士学位论文
5.1.2产业集聚区建设力度加大5. 1.3积极提高中小企业创新创业服务能力5. 1.4企业稳步发展,流动资金紧缺5. 2 L市中小企业融资中存在的问题5.2.1中小企业资金需要无法满足5.2.2财务状况和信用等级制约资金融通
21
5. 2. 3与核心企业合作关系松散
22
5.2.4金融机构信贷业务种类缺乏,且风险控制较弱
22
5.3供应链金融缓解L市中小企业融资难问题的优势
23
5.3. 1强化信息传递功能
23
5.3.2降低违约风险和交易成本
23
5.4供应链金融成功案例应用——以L市永强农产品批发市场为例
23
5. 4. 1企业概况 23
5. 4. 2企业供应链金融成功案例分析
24
5.4.3案例分析结论
25
第六章研究结论与相关建议
27
6. 1研究结论 2
86.2供应链金融在我国发展的政策建议
29
6. 2. 1我国金融机构推动供应链金融发展的对策建议
29
6.2.2中小企业发展供应链金融的对策建议
29
6. 2.3政府推动供应链金融的对策建议
30
6. 3研究局限与进一步研究方向
30
6. 3. 1研究局限 30
6. 3. 2进一步研究方向
30
参考文献 33
^ 34
北京化工大学专业硕:丨:学位论文
Contents
Chapter 1 Introduction1.1 Research background and significance1.1.1 Research background1.1.2Research significance1.2Research contents and methods1.2.1 Research contents 2
1.2.2Research methods 3
1.3 Innovation points of the paper1.4Research framework 4
Chapter 2 Literature review2.1 Current research situation in foreign countries2.2Domestic research status2.3Literature review 7
Chapter3 Financing status and problems of SMEs in China3.1 Characteristics and functions of SMEs in China3.1.1 Characteristics of SMEs in China3.1.2 Functions of SMEs in China3.2 Analysis on the financing situation of SMEs in China3.3 Analysis on the financing difficulty of SMEs3.3.1 Internal cause 11
3.3.2 External causesChapter4 Realization mechanism of SMEs financing from the perspective
of Supply Chain Finance4.1 Financing model of SMEs from the perspective of Supply Chain Finance4.1.1 Establishment of supply chain financing model4.1.2 Supply chain financing mode4.2 Analysis on financing mode of SMEs in supply chain financing4.2.1 Financing chain financing of SMEs4.2.2 Production chain financing of SMEs4.2.3 Sales chain financing of SMEsChapter 5 Case study on supply chain financing
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