摘 要
在当前经济环境下，中小企业作为经济活力的重要来源，其融资问题一直是社会各界关注的焦点。供应链金融作为一种创新的融资模式，为中小企业提供了新的融资渠道，有效缓解了中小企业融资难、融资贵的问题。本文系统分析了供应链金融的定义、模式、在中小企业融资中的应用实践，以及面临的挑战，并提出了相应的对策建议。首先，本文在绪论部分阐述了研究的背景、意义和目的，并对国内外供应链金融的研究现状进行了梳理。在理论基础部分，本文定义了供应链金融的基本概念，并介绍了其主要模式，同时通过案例分析展示了供应链金融在中小企业融资中的应用。在中小企业融资现状分析部分，本文详细分析了中小企业的融资需求特点、面临的融资难题以及融资环境。在此基础上，本文深入探讨了供应链金融在中小企业融资中的应用实践，包括供应链金融产品与服务、对中小企业融资的促进作用以及风险管理。进一步地，本文识别了供应链金融在中小企业融资中面临的挑战，包括法律与监管环境、信用体系构建、技术与操作障碍以及市场接受度。针对这些挑战，本文提出了一系列对策，如完善法律与监管框架、构建有效的信用体系、提升技术支持与操作效率等。最后，本文总结了研究的主要发现，并提出了政策建议。同时，也指出了研究的局限性，并对未来的研究方向进行了展望。
关键词：供应链金融；中小企业融资；融资模式；风险管理
Abstract
In the current economic environment, as an important source of economic vitality, the financing of small and medium-sized enterprises has been the focus of social attention. As an innovative financing model, supply chain finance provides a new financing channel for small and medium-sized enterprises, and effectively alleviates the problems of difficult and expensive financing for small and medium-sized enterprises. This paper systematically analyzes the definition, model, application practice of supply chain finance in SME financing, as well as the challenges faced, and puts forward corresponding countermeasures and suggestions. First of all, in the introduction part, this paper expounds the background, significance and purpose of the research, and combs the current research status of supply chain finance at home and abroad. In the theoretical basis part, this paper defines the basic concept of supply chain finance, introduces its main models, and demonstrates the application of supply chain finance in the financing of small and medium-sized enterprises through case analysis. In the part of the analysis of SME financing situation, this paper analyzes the characteristics of SME financing demand, financing problems and financing environment in detail. On this basis, this paper deeply discusses the application practice of supply chain finance in SME financing, including supply chain finance products and services, the promotion role of SME financing and risk management. Further, this paper identifies the challenges faced by supply chain finance in SME financing, including the legal and regulatory environment, credit system construction, technical and operational barriers, and market acceptance. In response to these challenges, this paper proposes a series of countermeasures, such as improving the legal and regulatory fr amework, building an effective credit system, and improving technical support and operational efficiency. Finally, this paper summarizes the main findings of the study and puts forward policy recommendations. At the same time, the limitations of the research are pointed out, and the future research direction is prospected.
Key words: supply chain finance; Financing of small and medium-sized enterprises; Financing mode; Risk management
目 录
一、绪论 3
1.1 研究背景及意义 3
1.2 国内外研究现状 3
1.3 研究目的 3
二、供应链金融的定义与模式 4
2.1 供应链金融的基本概念 4
2.2 供应链金融的主要模式 4
2.3 供应链金融在中小企业融资中的应用案例 4
三、中小企业融资现状分析 5
3.1 中小企业融资需求特点 5
3.2 中小企业融资难题 5
3.3 中小企业融资环境分析 5
四、供应链金融在中小企业融资中的应用实践 6
4.1 供应链金融产品与服务 6
4.1.1 应收账款融资 6
4.1.2 预付款融资 6
4.1.3 存货融资 6
4.2 供应链金融对中小企业融资的促进作用 7
4.2.1 融资效率的提升 7
4.2.2 融资成本的降低 7
4.3 供应链金融的风险管理 8
4.3.1 信用风险的识别与管理 8
4.3.2 操作风险的控制 8
五、供应链金融在中小企业融资中的挑战 8
5.1 供应链金融的法律与监管环境 8
5.2 供应链金融的信用体系构建 9
5.3 供应链金融的技术与操作障碍 9
5.4 供应链金融的市场接受度 10
六、应对供应链金融在中小企业融资中挑战的对策 10
6.1 完善供应链金融的法律与监管框架 10
6.2 构建有效的供应链金融信用体系 11
6.3 提升供应链金融的技术支持与操作效率 11
6.4 增强市场对供应链金融的认知与接受度 11
七、结论 11
参考文献 12
