發(fā)布時(shí)間：2018-08-24 17:28

【摘要】：現(xiàn)今,中小企業(yè)地位越來(lái)越突出,已經(jīng)成為國(guó)家經(jīng)濟(jì)發(fā)展的主要推動(dòng)力量之一,中小企業(yè)融資出現(xiàn)的問(wèn)題也更加凸顯。近些年各種解決中小企業(yè)融資問(wèn)題的辦法層出不窮,而供應(yīng)鏈金融的融資辦法為中小企業(yè)融資問(wèn)題提出了新的解決方案�；�于供應(yīng)鏈的鏈條型構(gòu)造,中小企業(yè)不僅能解決融資問(wèn)題,而且供應(yīng)鏈上的其他參與方都不同程度受益,這也是供應(yīng)鏈金融融資辦法得以發(fā)展的本質(zhì)原因。供應(yīng)鏈金融融資模式的快速發(fā)展,從整個(gè)供應(yīng)鏈角度來(lái)看，中小融資企業(yè)更應(yīng)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(jī)構(gòu)更要考慮在應(yīng)用供應(yīng)鏈金融模式放貸過(guò)程中的風(fēng)險(xiǎn)控制,尤其是中小企業(yè)的信用風(fēng)險(xiǎn)。 本文首先從供應(yīng)鏈金融的定義特點(diǎn)及中小企業(yè)融資困境出發(fā),分析供應(yīng)鏈金融融資的風(fēng)險(xiǎn);其次文章主要分析供應(yīng)鏈金融融資和中小企業(yè)在運(yùn)用供應(yīng)鏈金融融資中出現(xiàn)的風(fēng)險(xiǎn)分析;然后主要介紹中小企業(yè)融資中出現(xiàn)的風(fēng)險(xiǎn)成因及信用風(fēng)險(xiǎn),建立了運(yùn)用Logistic模型的供應(yīng)鏈金融中小企業(yè)融資信用風(fēng)險(xiǎn)實(shí)證模型,以模型為基礎(chǔ)判斷銀行等金融企業(yè)是否對(duì)中小企業(yè)放貸控制風(fēng)險(xiǎn)，防止銀行資金損失應(yīng)用此模型加強(qiáng)供應(yīng)鏈金融的中小企業(yè)融資風(fēng)險(xiǎn)控制。經(jīng)過(guò)前文的一系列研究分析,本文的分析結(jié)果是:對(duì)于中小企業(yè)融資困境,運(yùn)用供應(yīng)鏈金融這種融資模式能很好的解決中小企業(yè)融資問(wèn)題。在面對(duì)融資困境時(shí)，中小企業(yè)可以根據(jù)自身企業(yè)的財(cái)務(wù)狀況來(lái)選擇不同的供應(yīng)鏈金融融資模式，，而銀行等其他金融機(jī)構(gòu)可以運(yùn)用供應(yīng)鏈金融模式來(lái)擴(kuò)大自身業(yè)務(wù)面和放貸規(guī)模。銀行在評(píng)價(jià)中小企業(yè)融資風(fēng)險(xiǎn)時(shí),信用風(fēng)險(xiǎn)是首先要考慮的,如何才能將信用風(fēng)險(xiǎn)控制到最小化并且最大規(guī)模的放貸。本文建立Logistic信用風(fēng)險(xiǎn)的評(píng)價(jià)模型,此模型將對(duì)于銀行等其他金融機(jī)構(gòu)在運(yùn)用供應(yīng)鏈金融模式解決中小企業(yè)融資的信用風(fēng)險(xiǎn)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(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F275;F224

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本文編號(hào)：2201523