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论文编号：	3259
作者编号：	2120092283
上传时间：	2011/6/6 16:09:59
中文题目：	影响供应链中企业融资规模的两种因素对比分析
英文题目：	Research on two factors of affecting the financing scale in supply chain financing
指导老师：	侯文华
中文关键字：	资金约束 融资效果 供应链金融 信用评估 创新力
英文关键字：	Financial constraints Financing effect Supply chain finance Credit rating Creativity
中文摘要：	20世纪90年代以来，改革开放和经济多元化政策使得我国中小企业能够充分发挥自身优势，通过灵活多样的运行体制和独特的经营机制中小企业得到快速发展，中小企业已成为国民经济新的经济增长点和国民生产总值增长的主要动力。但是多数的中小企业面临着资金短缺的问题，融资困难成为制约中小企业长远发展的主要因素。中小企业信用水平达不到银行设定的信用等级，传统融资渠道下中小企业难于达到理想融资效果。针对中小企业发展遇到的资金约束和融资难的问题，新的融资模式供应链金融为中小企业有效融资带来了契机。 本文是利用系统动力学工具站在中小企业的立场对融资过程进行仿真，通过模拟仿真考察对融资规模有重要影响的因素，模拟观察起关键作用的影响因素和时间因素的关系。选取应收账款融资和融通仓融资模式，对融资过程中的主要步骤进行模拟仿真，选取先进机器设备和管理者知识对比研究以应收账款为抵押的融资规模，选取技术研发人才和第三方物流企业的信息化建设对比研究以库存为抵押的融通仓的融资规模，实质上都是创新力对融资规模的影响。 针对研究方向和实际情况考察选取定量化指标，作为融资方的中小企业由于自身条件限制，要获得理想融资效果可以提升的是自身可控的因素，中小企业可以改变内部自身的因素，外部因素如市场金融环境、国家法律制度和政策、供应链上核心大企业和第三方物流企业的信用等级等不是中小企业可以左右，本文研究中小企业融资规模，选取因素是影响融资规模的内部因素。企业的竞争力对企业长远稳定发展有重要作用，银行为企业提供贷款时要进行信用评估，信用评估的关键指标是企业市场竞争力，指标很大程度上决定企业还贷能力，在激烈市场竞争环境中，企业发展靠的是科技水平和人才等创新因素，本文选取的创新影响因素就是围绕了创新物力即技术设备和创新人力即科技人才作为影响融资规模的因素，人才主要是包括技术性的研发人才和企业经营者的知识水平，技术水平主要是先进的机器设备和企业的信息化建设水平。 本文最后章节对前文进行总结，概述本文的研究结论和创新点，同时指出研究中存在的不足和进一步研究的方向。
英文摘要：	Since the 90s of the 20th century, with the continuous deepening of reform and opening up and encouraging the gradual implementation of economic diversification, the small enterprises have been rapidly developed with its unique and flexible operating mechanism. The small enterprises played an important role in promoting economic growth and social stability. However, most small enterprises face problem of shortage of funds, financing problems as a main constraint factor to discourage the development of the small enterprises. The credit level of small enterprises is difficult to attain credit rating that the banks set, the small enterprises which use the traditional financing channels is difficult to achieve the ideal result of financing. The contents of this article is to use the system dynamics as tools to simulate the process of financing and find out the key role factor of financing process, in the article, we select the advanced equipment and the knowledge level of management as main factors to research the financing scale of financing system of accounts receivable pledge, at the same time, we select the research and development talents and the information technology of third-party logistics company to research the financing scale of finance-transportation and warehouse model. The competitiveness of enterprises plays an important role in the development of enterprises, before the banks provide loans, it must carry out the credit assessment, the competitiveness of the enterprise is a key indicator in the process of the credit assessment. Being in the fierce competition environment, the development of small enterprise relies on the level of scientific and technological and the talents. The last chapter summarizes this dissertation, outlining the conclusions and innovations of this research and pointing out some shortcomings and directions that are worthy of being further corrected and studied.
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