联系我们

论文查询结果	返回搜索

论文编号：	9228
作者编号：	2120152749
上传时间：	2017/6/12 20:24:41
中文题目：	供应链金融在M贸易公司融资中的
英文题目：	Research on the Application of Supply Chain Finance in the M Trading Company’s Fund-Raising
指导老师：	陈国欣
中文关键字：	供应链金融;融资模式;信息不对称; 中小企业融资
英文关键字：	supply chain finance;financing model;information asymmetry;small and medium enterprises’ financing
中文摘要：	随着经济全球化和网络化发展，不同国家、地区间比较优势不断被挖掘，资金不够雄厚的中小企业作为 “成本洼池”影响了供应链的财务成本和稳定性。在这种背景下，供应链的发展逐渐转向到提升资金效率的供应链金融层面。供应链金融在近几年成为一个热点名词，它创新性地将金融和商业模式结合，以满足整条供应链上的资金需求。不仅是商业银行和其他第三方企业受益，还有效地缓解了中小企业融资难问题。中国的中小企业由于自身发展模式，有着财务制度不透明、管理不规范等诸多问题，导致中小企业难以应用外部融资。供应链金融的出现对于现金流受制的中小企业解决其融资问题有着重要意义。商业银行的发展和金融业态的多样化需要新的业务生长点。国内金融市场改革和利率市场化的发展，使银行单纯依靠传统存贷款利率差模式难以为继。如果商业银行还是以传统的存贷利差作为单一银行收入来源、只把目光聚集在大公司身上，不仅会导致银行盈利水平下滑，而且传统盈利模式造成的路径，进而进一步限制银行经营模式进行结构性转变。商业银行也不得不从舒适区域中走出来，再次寻找新的利润增长点和盈利模式。供应链金融可以有效帮助商业银行实现新的利润增长。本文首先从国内外文献方面研究供应链金融产生的背景，在总结国内外相关文献的基础上，归纳出供应链金融产生的理论基础。阐述供应链金融运作流程和业务模式，通过和传统银行信贷的比较，得出供应链金融的特点和供应链金融对缓解中小企业融资问题方面所具有的独特优势。然后通过中小企业视角，以M贸易公司供应链融资案例，详细阐述了供应链金融融资模式应用，供应链金融参与各方利益和风险，以及在供应链金融缓解中小企业融资难问题上的优势。在国内外供应链金融的实践研究上，为M贸易公司提供更多的融资建议。通过供应链金融的应用和实践，中小企业将有更多创新性融资选择和更为广阔的发展道路。
英文摘要：	With rapid development of global economy and information network, the comparative advantages of different countries and areas have been deepened constantly. The small and medium enterprises (SMEs) without sufficient funding have become “low costs”, which deeply influence financial cost and stability of supply chain. On this background, the management of supply chain has turned to a new layer of supply chain finance in order to increase capital usage efficiency. Supply chain finance which is short for SCF is becoming a trendy word in recent years. With combining financing and business model, it fulfills the financing requirement of whole supply chain creatively, which brings new profit models for bank and other participants, and also provides an effective solution of financing bottlenecks for small and medium enterprises. The current development of China SMEs has become more and more sophisticated and problematic, since they have their own development pattern. Opaque financials, irregular management and so many other problems are obstacles of using external financing for SMEs. Supply chain finance has great significance for solving financing bottleneck problems for SMEs. The development of commercial banks and varieties of financial service need service increasing points. Domestic financial markets reform and the development of interest rate liberalization make commercial banks no longer rely on the model of interest spreads of deposit and loan. If commercial banks still count on the traditional interest spreads of deposit and loan as the only source of revenue, still focus on major corporations, which will impose restrictions on structural transformation and lead to profitability declining. Commercial banks need to walk out of comfort zone then to seek new service increasing points and profitability model. Supply chain finance will certainly help commercial banks achieve its goals. The article is based on the research of SME financing using supply chain financing model. The first part mainly discusses the development of supply chain, and supply chain abroad and domestic. Theoretical analyzes the background of the supply chain finance management, reason and advantage of SCF generated. Then the other part is to find out the SME financing difficulties and come up with the financing solutions for M Trading Company. With supply chain finance’s development, SCF service for small and medium enterprises in the supply chain will relieve the stress of financing and open vast vistas.
查看全文：	预览  下载(下载需要进行登录)