联系我们

论文查询结果	返回搜索

论文编号：	4096
作者编号：	2220091958
上传时间：	2012/3/15 14:36:18
中文题目：	基于中小企业融资需求的商业银行供应链金融研究
英文题目：	Research on the Supply Chain Finance Mode of Commercial Bank Based on Small and Medium Enterprise
指导老师：	吴晓云
中文关键字：	中小企业；供应链金融；商业银行；融资
英文关键字：	Small and medium-sized enterprises; Supply chain finance; Commercial bank; Financing
中文摘要：	今年以来，多地爆出部分中小企业因为融资问题而倒闭的新闻，中小企业融资难一直是各方关注的焦点。我国中小企业数量占到企业总数的95%以上，其对于我国国民经济快速发展的推进作用无可替代，同时其在促进企业间公平竞争、维持市场竞争活力、增加就业岗位、维护社会稳定都起着至关重要的作用。但中小企业所获得的资金支持与中小企业所做的贡献极不相称，导致融资难问题已经成为制约中小企业发展的主要瓶颈。中小企业融资难主要是由于我国金融发展支持体系不够完善及中小企业自身特点造成的。为了化解这一难题，一方面中小企业要不断完善自身素质、努力拓展融资渠道，另一方面金融机构尤其是商业银行为获取更多的利润和客户群体，需针对中小企业融资需求进行金融产品创新。在两者共同努力下，商业银行与中小企业找到既利于中小企业融资又利于商业银行盈利的“交叉点”，即供应链金融。供应链金融是针对中小企业融资需求而进行金融产品创新和融资的新型金融服务模式。即利用中小企业在供应链中与核心企业稳定的业务、贸易资金往来等优势，利用自己的动产抵押等换取银行贷款的新型金融产品。供应链金融是现代物流业与金融业的一次创新，将为银行、第三方物流供应商、制造商、经销商带来多赢局面。本文通过运用企业融资理论及供应链金融理论，概述了我国中小企业的融资现状并分析融资难的成因，继而提出中小企业的融资需求特点。然后结合我国开展供应链金融业务的状况，全面、深入地对供应链金融的内涵、模式以及运作原理进行分析，并从运作主体需求、运作流程及机理、收益与风险等方面对供应链金融的几种模式进行对比分析。最后提出了当前我国商业银行针对中小企业融资的供应链金融产品，并通过具体的实例印证了供应链金融成为当前解决中小企业融资难的有效途径。
英文摘要：	Since this year, many places have blown out the news that some small and medium-sized enterprises go bankrupt because of the financing question, the small and medium-sized enterprise finances difficultly has been all quarters’ focus. Small and Medium-sized enterprises take 95% of Chinese enterprises. They have such a important role in Chinese economy development which can not be substitute .At the same time, they give more fairness to the competition between enterprises, maintain the competition energy of market and increase jobs as well as keep the society stable. However, the contributions small and medium-sized enterprises have made don’t equal to the financial support they’ve got. The lack of financial support has become the bottleneck of small and medium enterprises’ development. The small and medium-sized enterprise finances difficultly is mainly because of finance development support system insufficiencies as well as small and medium-sized enterprise own characteristic. In order to solve this difficult problem, on the one hand the small and medium-sized enterprise must consummate own quality to develop the financing channel, on the other hand financial organ need to carry on the finance product innovation in view of the small and medium-sized enterprise financing demand. With both sides’ joint effort, banks and the enterprises will find a binding point named supply chain finance, which will benefit both the enterprises and the banks. The supply chain finance aims at the small and medium-sized enterprise financing demand to carry on the finance product innovation and new financial service pattern. Small and medium-sized enterprises use stable superiority and business contact with other core enterprises in the supply chain to receive the new finance product of the bank. The supply chain finance is the innovation of modern logistics and financial industry, it will bring “wins” for the bank, the third party logistics (3PL) ,supplier, and the manufacturer in the entire supply chain. This paper put enterprise financing theory and the credit theory into use. It also combine the situation of small and medium-sized enterprise financing present situation and analyze the reason why small and medium-sized enterprises have difficulty in financing ,and then put forth the demand characteristics of small and medium-sized enterprises. Then based on the supply chain finance service condition, we focus on the supply chain finance, the pattern as well as the operation principle from the aspects of operation body demand, operation flow and mechanism, the income and risk to compare kinds of supply chain finance patterns to carry on the contrastive analysis. Finally we proposed our current commercial bank supply chain finance products in view of the small and medium-sized enterprises financing, and verified the supply chain finance through the concrete example. We concluded that supply chain finance has become the efficient path to solve the difficulty of small and medium-sized enterprise.
查看全文：	预览  下载(下载需要进行登录)