论文总字数：22788字

摘 要

随着经济环境不断地变化，当今中小企业在国民经济发展中越来越重要，中小企业已经成为我国国民经济的不可缺少的一部分，但是由于信息不对称以及中小企业自己本身的缺陷等原因，银行为了避免各种风险问题，排斥与中小企业进行友好合作，然而这就使得中小企业融资难问题越来越明显了，亟待解决。所以供应链融资模式应需而生，它的出现为融资企业提供了针对性和系统性的金融服务，也为解决中小企业融资难问题开辟了新思路和新趋势。

在该种模式下，金融机构从整个产业链的角度来考察中小企业的融资需要，更大限度地为在供应链中处于弱势地位的中小企业提供金融融资服务。第三方物流利用自己的优势特征，参与到供应链金融之中，能够帮助供应链中的处于弱势地位的中小企业利用原材料、库存等流动资产从银行获取质押贷款或信用贷款，同时它也为金融机构提供物质价值评估、监管、拍卖等各种服务，降低金融机构贷款风险。

本文采用了理论研究与案例研究相结合的方法，从基于供应链金融的中小企业融资模式的角度进行研究，主要是对供应链金融融资现状以及其发展过程中存在的问题进行阐述，从而寻找出可以有效解决供应链金融发展过程中存在的问题的措施。本文首先主要描述了研究背景和研究意义以及研究内容和方法；其次介绍了供应链金融的概念、特点，将传统融资模式与供应链金融融资模式两者进行比较、并对文献进行梳理；接着主要分析供应链金融的发展现状和供应链金融模式中所存在的问题；然后做了基于供应链金融的中小企业融资前景的分析；最后着重以襄阳市中小企业线上供应链金融业务案例为例进行详细分析。

关键词：供应链金融；中小企业；融资

The Financing Situation And Development Analysis of Small And Medium-sized Enterprises Based on Supply Chain Finance

Abstract

With the changing of economic environment, small and medium-sized enterprises in today"s society is becoming more and more important in the process of the whole national economic development, small and medium enterprise has become an indispensable part of our national economy, but due to asymmetry of information,system problems, as well as small and medium-sized enterprise own defects, the bank in order to avoid the risk from the various problems, and small and medium-sized enterprises to carry out friendly cooperation, but this makes the financing problem of small and medium enterprises more and more obvious, need to be addressed. So supply chain finance financing model should be to be born, it provides financing companies targeted and systematic financial services, and to solve the problem of financing difficulties of small and medium-sized enterprises has opened up new ideas and new trend.

In this mode, the financial institutions to small and medium-sized enterprises from the perspective of the whole industry chain of funding needs, a greater extent for the disadvantaged in the supply chain of small and medium-sized enterprises to provide financial financing services. Third-party logistics take advantage of their own characteristics, to participate in the supply chain finance, can help the disadvantaged in the supply chain of small and medium-sized enterprise use of raw materials, inventory and other current assets to obtain pledge loan or credit loans from the bank, at the same time it also provide material valuation for financial institutions, regulatory, auction all sorts of services, such as, reduce the risk of financial institutions loans.

This paper adopted the method combining the theoretical research and case studies, mainly from the perspective of small and medium-sized enterprise financing model based on supply chain financial research, mainly for financial development present situation and problems existing in the development of supply chain is analyzed, and find out the solution to the problem of supply chain in the process of developing the financial measures. This paper mainly describes the research background and research significance, and the research content and methods; Secondly this paper introduces the concept of supply chain finance, characteristics and the traditional financing mode and the supply chain finance financing mode to compare, and carding literature; Then wrote the main supply chain finance development present situation and existing problems in the supply chain in the financial model. Then mainly wrote based on the analysis of the small and medium-sized enterprises of supply chain finance financing prospects; Finally focuses on online supply chain to xiang yang city, small and medium-sized enterprise financial business case as an example for detailed analysis.

Keywords: Supply chain finance; Small and medium-sized enterprises; Financing

目 录

摘 要 I

Abstract II

第一章 绪 论 1

1.1 研究背景和意义 1

1.1.1 研究的背景 1

1.1.2 研究的意义 1

1.2 研究内容和方法 2

1.2.1 研究内容 2

1.2.2 研究方法 2

1.3 本文的结构安排 2

第二章 相关文献及理论综述 3

2.1 文献综述 3

2.2 理论综述 4

2.2.1 供应链金融的概念及其特征 4

2.2.2 供应链金融模式与传统融资模式的区别 5

2.3 小结 6

第三章 基于供应链金融的中小企业融资现状及问题分析 8

3.1 供应链金融的发展现状分析 8

3.1.1 我国供应链金融业务发展状况 8

3.1.2 供应链金融的融资模式分析 8

3.2 供应链金融在中小企业融资过程中存在的问题分析 10

3.2.1 中小企业融资成本仍然较高 10

3.2.2 中小企业可利用的融资渠道狭窄 10

3.2.3 评估和征信等配套体系不能匹配 10

3.2.4 中小企业自身问题 11

第四章 基于供应链金融的中小企业融资前景分析 12

4.1 政府方面 12

4.2 物流企业方面 12

4.3 金融机构方面 12

4.4 中小企业方面 13

第五章 以襄阳市中小企业开展线上供应链金融业务为例 14

5.1 襄阳市中小企业开展线上供应链金融业务的系统分析 14

5.2 襄阳市中小企业开展线上供应链金融业务的创新模式分析 15

结论及建议 19

致 谢 20

参考文献 21

第一章 绪 论

1.1 研究背景和意义

1.1.1 研究的背景

伴随市场经济的快速发展和完善，我国中小企业已经成为经济发展中蓬勃的生力军。我国中小企业因为自身的特性，具有很大的市场灵敏性、有效的专业性、有效的奖励机制等特点，使中小企业在经济增长、社会稳定等方面起着不可代替的作用，它是我们国家经济发展的重要保证。

当前，在我国注册的中小企业占到全部注册企业的99%^[1]，我国中小企业供应的最终商品和最终服务占国内生产总值的60%^[2]，缴纳的税收占全国总数额的一半，并且创造80%^[3]左右的城镇就业岗位。尽管中小企业在不断发展，但是在2011年，由于通货膨胀等诸多原因，我国中央银行实施紧缩的货币政策，多次调整存款准备金率及利率，银行等金融机构实行收紧资金投放的政策，这让中小企业的发展面临了巨大挑战，中小企业的资金问题又达到了捉襟见肘的程度。

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