中小企业供应链融资模式探讨(硕士)

中小企业供应链融资模式探讨(硕士)(论文26000字)
摘  要
    随着中国经济的大跨步发展，中小企业在国民经济和社会发展中扮演着越来越重要的角色，但是由于内外部环境的限制，中小企业仍然存在着亟需解决的融资难题，中小企业的产业升级和业务发展仍然面临巨大挑战，这无疑与中小企业的社会贡献度是不成比例的。供应链融资作为解决中小企业融资难题的突破口，从供应链角度来评估中小企业的信用，区别于传统的融资授信模式，更为强调供应链整体的真实稳定性。商业银行通过对供应链上核心企业的信用评估，来决定是否为其上下游的中小企业提供融资服务。供应链融资通过核心企业的信用辐射，降低了客户准入门槛和中小企业的融资成本，更多的中小企业能够有机会参与到融资服务中来，进一步提升了核心企业和配套企业的市场竞争力，实现了参与主体的多方共赢。因此，对供应链融资的相关理论进行研究并揭示其在解决中小企业融资问题上的有效性是十分必要的。
本文采用了文献研究和案例研究相结合的方法，首先对供应链融资的概念、参与主体、特点进行了阐述，并比较分析了供应链融资模式和传统融资模式，凸显出了供应链融资在解决中小企业融资问题上的优越性。其次从中小企业所处的内外部环境和供应链融资的意义来论述了供应链融资的必要性和可行性，指出了供应链融资既具备相关理论基础又具备了现实基础。进而对供应链融资的三种运作模式进行了重点剖析和比较，提出了中小企业应根据自身所处经营阶段的不同选择适合的融资模式。紧接着，文章对供应链融资存在的风险进行了揭示并针对性的提出了一系列风险防范策略，为今后供应链融资的风险控制提供了参考意见。最后本文结合具体的案例对供应链融资的有效性进行了进一步分析，并对其真实运作过程予以说明。
    通过一系列系统的分析，得出了结论：供应链融资作为一种新型的融资模式，虽然在运作过程中还存在着诸多不足之处，但是其在解决中小企业融资问题中却是真实有效的。中小企业可以借助核心企业的良好资信提升自身的信用水平，增加银行等金融机构对其提供信贷资金的意愿。

关键词：中小企业，供应链融资，融资模式，风险控制

ABSTRACT
With the development of Chinese economy, small and medium-sized enterprises play a more and more important role in national economy and social development. Because of the internal and external environmental constraints, small and medium-sized enterprises not only face financing problem needed to be solved urgently but also face huge challenges in industrial upgrading and business development which is undoubtedly consistent with their social contribution . As a new breakthrough to solve the financing problem of small and medium sized enterprises, supply chain financing evaluate the credit of small and medium enterprises from the perspective of the supply chain . Compared with the traditional financing products , the supply chain finance stress the stability of the whole supply chain. Commercial banks decide whether to provide financing services for the up- stream and down- stream enterprises through the credit assessment of the core business in the supply chain.Through the credit radiation of core business, supply chain financing can lower the customer access threshold and reduce financing cost, so that more small and medium enterprises can participate in financing services. Supply chain financing can improve the competitiveness of core and supporting enterprises and achieve a win-win situation. Therefore, it is necessary to research the theories of supply chain financing and reveal its advantages in solving the financing problems of small and medium sized enterprises.    
    The paper do its research mainly adopts the method of literature and cases .Firstly, the paper presents the concepts , participation main body and 
characteristics of  the supply chain financing and highlights its superiority in solving the financing problems of small and medium-sized enterprises through comparing with traditional financing  . Then discuss the necessity and feasibility of the supply chain financing through its significance and circumstance .It points out that the supply chain
financing has both theoretical foundation and realistic foundation. The next step focus on discussing the three mode of the supply chain financing. It puts forward the small and  medium-sized enterprises should choose the suitable financing model according to their own operation stage. Then, the paper reveals the risk in the supply chain financing and puts forward a series of specific risk prevention strategy which can offer valuable recommendations  for the supply chain financing risk control. Lastly, the effectiveness of the supply chain financing is further analyzed and the process of actual operation is
presented combining with specific cases.
    Based on a series of system analysis, the author draws the conclusion that as a new
mode of financing,  supply chain financing is actually effective in solving the financing
problem of small and medium-sized enterprise  while in the process of operation still
exist many shortcomings .Small and medium-sized enterprises can use the core
enterprise of good credit rating to raise their level of credit, thus increase the willingnessof the banks and other financial institutions to provide credit funds.

Keywords：Small and medium-sized enterprises，Supply chain financing，Financing model，Risk control

目  录
学位论文原创性声明    1
学位论文版权使用授权书    1
摘  要    1
ABSTRACT    2
第1章 绪论    1
1.1 研究背景和意义    1
1.1.1 研究背景    1
1.1.2 研究意义    1
1.2 国内外文献综述    2
1.2.1 中小企业融资研究相关文献    2
1.2.2 供应链融资相关文献    6
1.2.3 文献评述    7
1.3 主要研究内容及方法    7
1.3.1 主要研究内容    7
1.3.2 研究方法    8
1.4 主要创新点    8
1.5 论文的基本结构    8
第2章 供应链融资相关理论    10
2.1 供应链融资的概念    10
2.2 供应链融资的市场主体    10
2.3 供应链融资的特点    12
2.4 供应链融资与传统融资方式的比较    13
2.5 小结    14
第3章 中小企业供应链融资的相关分析    15
3.1 中小企业供应链融资的必要性分析    15
3.1.1中小企业融资的现实基础    15
3.1.2供应链融资的现实意义    17
3.2 中小企业供应链融资的可行性分析    18
3.2.1 中小企业自身优势    18
3.2.2 供应链融资的政策支持    19
3.2.3供应链融资的技术支持    19
3.3中小企业供应链融资具体模式的选择    20
3.3.1预付账款类融资    20
3.3.2存货类融资    22
3.3.3应收账款类融资    23
3.3.4三种融资模式的比较分析    25
3.4小结    26
第4章  中小企业供应链融资的风险防范    27
4.1 供应链融资的风险分析    27
4.1.1信用风险    27
4.1.2法律风险    27
4.1.3质押物风险    28
4.1.4操作风险    28
4.2 供应链融资的风险防范    29
4.2.1信用风险的防范    29
4.2.2法律风险的防范    29
4.2.3质押物品风险的防范    29
4.2.4操作风险控制及防范    30
4.3小结    30
第5章 中小企业供应链融资具体案例分析    31
5.1 企业背景介绍    31
5.1.1核心企业情况    31
5.1.2目标客户情况    31
5.2 供应链融资方案分析    31
5.3小结    33
第6章 结论及展望    34
6.1 结论    34
6.2 展望    34
参考文献    35