基于供應鏈金融的中小企業(yè)融資信用風險研究
發(fā)布時間：2018-08-24 17:28
【摘要】：現(xiàn)今,中小企業(yè)地位越來越突出,已經成為國家經濟發(fā)展的主要推動力量之一,中小企業(yè)融資出現(xiàn)的問題也更加凸顯。近些年各種解決中小企業(yè)融資問題的辦法層出不窮,而供應鏈金融的融資辦法為中小企業(yè)融資問題提出了新的解決方案�；诠⿷湹逆湕l型構造,中小企業(yè)不僅能解決融資問題,而且供應鏈上的其他參與方都不同程度受益,這也是供應鏈金融融資辦法得以發(fā)展的本質原因。供應鏈金融融資模式的快速發(fā)展,從整個供應鏈角度來看，中小融資企業(yè)更應該考慮選擇何種融資模式，可以更加迅速、低成本地融資。銀行等其他金融機構更要考慮在應用供應鏈金融模式放貸過程中的風險控制,尤其是中小企業(yè)的信用風險。 本文首先從供應鏈金融的定義特點及中小企業(yè)融資困境出發(fā),分析供應鏈金融融資的風險;其次文章主要分析供應鏈金融融資和中小企業(yè)在運用供應鏈金融融資中出現(xiàn)的風險分析;然后主要介紹中小企業(yè)融資中出現(xiàn)的風險成因及信用風險,建立了運用Logistic模型的供應鏈金融中小企業(yè)融資信用風險實證模型,以模型為基礎判斷銀行等金融企業(yè)是否對中小企業(yè)放貸控制風險，防止銀行資金損失應用此模型加強供應鏈金融的中小企業(yè)融資風險控制。經過前文的一系列研究分析,本文的分析結果是:對于中小企業(yè)融資困境,運用供應鏈金融這種融資模式能很好的解決中小企業(yè)融資問題。在面對融資困境時，中小企業(yè)可以根據(jù)自身企業(yè)的財務狀況來選擇不同的供應鏈金融融資模式，，而銀行等其他金融機構可以運用供應鏈金融模式來擴大自身業(yè)務面和放貸規(guī)模。銀行在評價中小企業(yè)融資風險時,信用風險是首先要考慮的,如何才能將信用風險控制到最小化并且最大規(guī)模的放貸。本文建立Logistic信用風險的評價模型,此模型將對于銀行等其他金融機構在運用供應鏈金融模式解決中小企業(yè)融資的信用風險上有較大的幫助。
[Abstract]:Nowadays, the status of SMEs is becoming more and more prominent, which has become one of the main driving forces of national economic development. In recent years, a variety of methods to solve the financing problems of SMEs emerge in endlessly, and the financing methods of supply chain finance provide new solutions for the financing problems of SMEs. Based on the chain structure of supply chain, SMEs can not only solve the financing problem, but also benefit other participants in the supply chain to some extent, which is the essential reason for the development of the financing method of supply chain. With the rapid development of supply chain financial financing mode, small and medium-sized financing enterprises should consider which financing mode to choose from the point of view of the whole supply chain, which can finance more quickly and cheaply. Other financial institutions, such as banks, need to consider risk controls in the application of supply chain finance models, especially the credit risk of small and medium-sized enterprises. Firstly, this paper analyzes the risk of supply chain finance from the definition of supply chain finance and the financing dilemma of small and medium-sized enterprises. Secondly, the article mainly analyzes the risk analysis of the supply chain finance and the small and medium-sized enterprises in the use of the supply chain finance, and then mainly introduces the causes of the risk and the credit risk in the financing of the small and medium-sized enterprises. An empirical model of financing credit risk of small and medium-sized enterprises in supply chain finance is established by using Logistic model, and the model is used to judge whether banks and other financial enterprises control the risk of lending to small and medium-sized enterprises. In order to prevent bank capital loss, this model is used to strengthen the financing risk control of small and medium-sized enterprises in supply chain finance. After a series of previous research and analysis, the result of this paper is: for SMEs financing difficulties, the use of supply chain finance this financing model can solve the financing problem of SMEs very well. In the face of financing difficulties, small and medium-sized enterprises can choose different supply chain financial financing models according to their own financial situation, while banks and other financial institutions can use supply chain financial model to expand their business scope and loan scale. When banks evaluate the financing risk of small and medium-sized enterprises, credit risk is the first consideration, how to control the credit risk to minimize and maximize lending. In this paper, the evaluation model of Logistic credit risk is established, which will be of great help to other financial institutions such as banks in using the supply chain financial model to solve the credit risk of SME financing.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F275;F224
本文編號：2201523
[Abstract]:Nowadays, the status of SMEs is becoming more and more prominent, which has become one of the main driving forces of national economic development. In recent years, a variety of methods to solve the financing problems of SMEs emerge in endlessly, and the financing methods of supply chain finance provide new solutions for the financing problems of SMEs. Based on the chain structure of supply chain, SMEs can not only solve the financing problem, but also benefit other participants in the supply chain to some extent, which is the essential reason for the development of the financing method of supply chain. With the rapid development of supply chain financial financing mode, small and medium-sized financing enterprises should consider which financing mode to choose from the point of view of the whole supply chain, which can finance more quickly and cheaply. Other financial institutions, such as banks, need to consider risk controls in the application of supply chain finance models, especially the credit risk of small and medium-sized enterprises. Firstly, this paper analyzes the risk of supply chain finance from the definition of supply chain finance and the financing dilemma of small and medium-sized enterprises. Secondly, the article mainly analyzes the risk analysis of the supply chain finance and the small and medium-sized enterprises in the use of the supply chain finance, and then mainly introduces the causes of the risk and the credit risk in the financing of the small and medium-sized enterprises. An empirical model of financing credit risk of small and medium-sized enterprises in supply chain finance is established by using Logistic model, and the model is used to judge whether banks and other financial enterprises control the risk of lending to small and medium-sized enterprises. In order to prevent bank capital loss, this model is used to strengthen the financing risk control of small and medium-sized enterprises in supply chain finance. After a series of previous research and analysis, the result of this paper is: for SMEs financing difficulties, the use of supply chain finance this financing model can solve the financing problem of SMEs very well. In the face of financing difficulties, small and medium-sized enterprises can choose different supply chain financial financing models according to their own financial situation, while banks and other financial institutions can use supply chain financial model to expand their business scope and loan scale. When banks evaluate the financing risk of small and medium-sized enterprises, credit risk is the first consideration, how to control the credit risk to minimize and maximize lending. In this paper, the evaluation model of Logistic credit risk is established, which will be of great help to other financial institutions such as banks in using the supply chain financial model to solve the credit risk of SME financing.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F275;F224
【參考文獻】
中國期刊全文數(shù)據(jù)庫 前9條
1 劉元洪;羅明;劉仲英;;供應鏈評價體系構架的研究[J];商業(yè)研究;2005年24期
2 周方召;周正;;中小企業(yè)關系型融資的經濟分析:一個簡要的綜述[J];商業(yè)研究;2008年09期
3 應展宇;中國中小企業(yè)融資現(xiàn)狀與政策分析[J];財貿經濟;2004年10期
4 湖北經濟學院金融學院課題組;中國社會科學院財貿所課題組;何德旭;;政策環(huán)境、金融結構與信貸技術——化解中小企業(yè)貸款難題的系統(tǒng)解決方案[J];財貿經濟;2008年09期
5 袁誠;周培奇;;中國中小企業(yè)間接融資的所有制歧視:來自雙差分估計的經驗證據(jù)[J];南方金融;2010年12期
6 李娜;;淺析商業(yè)銀行在供應鏈貿易融資中的商機和風險防范[J];廣西金融研究;2008年03期
7 孫景華;;2008管理異動[J];商界(評論);2009年03期
8 楊紹輝;從商業(yè)銀行的業(yè)務模式看供應鏈融資服務[J];物流技術;2005年10期
9 張秀萍;謝墩游;;供應鏈金融對企業(yè)績效的影響研究[J];中國流通經濟;2010年05期
本文編號：2201523
本文鏈接：http://www.wukwdryxk.cn/guanlilunwen/gongyinglianguanli/2201523.html
最近更新
教材專著
