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论文编号：	9737
作者编号：	2120152598
上传时间：	2017/12/9 19:36:37
中文题目：	BF商业保理公司针对中小企业保理融资模式研究
英文题目：	BF Commercial Factoring Company''s Research on SME Factoring Financing Model
指导老师：	陈国欣
中文关键字：	保理融资;应收账款融资;保理业务模式;风险控制
英文关键字：	Factoring financing; Accounts receivable financing; Factoring business model; Risk control
中文摘要：	我国中小企业正处于蓬勃的发展进程中，国民经济中发挥着重要地位，同时对于拉动我国经济增长方面发挥着积极作用。在此背景下，国家逐渐意识到中小企业快速发展的重要性，并通过创造良好环境、完善相关政策等方式，以实现促进中小企业的更好发展。中小企业融资方法众多，而商业保理融资凭借其融资时间短，成本低独树一帜，普遍适用于各类中小企业之间。然而，与国外形成鲜明对比的是，国内商业保理融资起步较晚，许多金融机构对这一融资方式还处于摸索阶段。随着商业保理行业的政策环境、法律环境、融资环境、征信环境和人才供给的逐渐改善，在强大的市场需求和新一代互联网技术的推动下，我国商业保理行业正在保持高速增长的态势。商业保理正在成为中小企业融资的重要渠道之一。本文主要从商业保理公司的角度,结合应收账款保理业务的实务流程操作,对商业保理公司操作应收账款保理业务的现状及存在的问题做了说明。此外,也对商业保理公司如何应对自身存在的问题提出了建议和对策，以保理系统引进的科技力量来完善保理业务操作，对保理业务流程有了新设计，并通过案例的方式来对中小企业如何借助于保理业务来融资进行研究与分析。目前我们整个国家保理现状的研究仍然显得不太全面。由于受到企业自身问题及外界宏观环境的影响，因此本文所提出的建议与对策是否可行还需要在未来实践阶段进行验证。本文明确了商业保理融资的概念，对我国应收账款额逐年增加的事实进行了描述，指出大力发展应收账款保理业务的必要性和迫切性。应收账款保理业务在一定程度上破解了企业融资难的问题，而且能够激活金融市场。本文在分析目前金融市场现有的保理融资业务方式的优缺点后，引出以天津BF商业保理公司结合对接不同资金方等资金渠道的应收账款保理创新模式展开研究，分析了应收账款保理业务的现状和存在的问题。在BF商业保理公司结合独特的商业保理系统新模式下，应收账款保理业务流程得到了完善和梳理。在实践中，以DL物流公司在BF公司开展应收账款保理融资业务流程为例，对DL物流公司面临融资困难问题展开分析。运用商业保理融资模式进行融资授信，解决应收账款融资问题，进而解决资金周转问题，使企业更加健康稳定的运转。最后,总结商业保理公司融资新模式的创新点以及亟待解决的现状问题，以利于以后商业保理公司发展，致力于进一步解决中小企业应收账款融资问题。
英文摘要：	China's Small and Medium-sized Enterprises (hereinafter referred to as SMEs) are in a vigorous development process, and their national economy plays an important role. At the same time, they play an active role in driving China's economic growth. Against this background, the state is gradually realizing the importance of the rapid development of small and medium-sized enterprises and by means of creating a sound environment and improving related policies, in order to promote the better development of SMEs. There are many methods for SME financing, and commercial factoring financing is uniquely based on its short financing time and low cost, and is generally applicable to all kinds of SMEs. However, in stark contrast with foreign countries, the financing of domestic commercial banks started relatively late, and many financial institutions are still at a groping stage in this financing method. With the gradual improvement of the policy environment, legal environment, financing environment, credit environment and human resources supply in the commercial factoring industry, with the strong market demand and the new generation of Internet technologies, the commercial factoring industry in our country is maintaining a rapid growth situation. Commercial factoring is becoming an important channel for SME financing. This article mainly explains the status quo and existing problems of commercial factoring companies operating the factoring business of accounts receivable from the perspective of commercial factoring companies and combining with the practice flow of factoring business of account receivables. In addition, it also puts forward some suggestions and countermeasures to how to deal with the existing problems of commercial factoring companies in order to perfect the operation of factoring business by the scientific and technological power introduced by the system, and has designed the business process of factoring by case method To SMEs how to resort to factoring business to finance research and analysis. At present, the research on the status quo of the entire country's state-protection still does not seem comprehensive. Due to their own problems and the impact of the external macro environment, the suggestions and countermeasures proposed in this paper also need to be verified in the future practice stage. This paper clarifies the concept of commercial factoring financing and describes the fact that the amount of account receivable in our country increases year by year. It points out the necessity and urgency of developing factoring business of account receivable. Factoring in accounts receivables to some extent solved the problem of corporate financing difficulties, but also to activate the financial markets. After analyzing the advantages and disadvantages of the existing factoring financing business in the current financial market, this paper studies the factoring innovation model of the account receivable with the combination of Tianjin BF Commercial Factoring Company and other capital sources, The Status and Problems of Factoring Business in Payment. In the BF commercial factoring companies combined with a unique new business factoring system model, accounts receivable factoring business processes have been improved and sorted out. In practice, taking DL Logistics Company as an example, it conducts the financing business of receivables financing in BF Company as an example, and analyzes the problems of DL logistics company facing financing difficulties. Use commercial factoring financing model for credit financing to solve the problem of accounts receivable financing, and thus solve the problem of cash flow, make the business more healthy and stable operation. Finally, the author summarizes the innovation of commercial factoring company's new financing model and the status quo problems to be solved urgently in order to facilitate the development of commercial factoring companies in the future and is committed to further solving the financing problem of accounts receivable for SMEs.
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