摘 要
供应链金融作为一种创新的金融服务模式，为解决中小企业融资难问题提供了新思路。在当前经济环境下，中小企业面临资金短缺、信用不足等困境，传统融资渠道难以满足其发展需求。本研究旨在探讨供应链金融在中小企业融资中的应用机制与风险控制策略，通过文献综述与案例分析相结合的方法，深入剖析供应链金融的运作模式及其对中小企业的实际影响。研究表明，供应链金融能够有效整合上下游企业资源，借助核心企业的信用支持，缓解中小企业融资约束，提高资金使用效率。同时，本研究发现供应链金融存在信息不对称、信用传递失效等潜在风险，并提出构建多方协同的风险防控体系，强化金融科技应用，优化供应链金融生态。研究结果表明，供应链金融不仅拓宽了中小企业的融资渠道，还促进了产业链整体协同发展，具有重要的理论意义和实践价值。
关键词：供应链金融 中小企业融资 风险控制
Abstract
As an innovative financial service mode, supply chain finance provides a new idea for solving the financing difficulties of small and medium-sized enterprises. In the current economic environment, small and medium-sized enterprises are facing difficulties such as capital shortage and credit shortage, and the traditional financing channels are difficult to meet their development needs. The purpose of this study is to explore the application mechanism and risk control strategy of supply chain finance in SME financing, and to deeply analyze the operation mode and its actual impact of supply chain finance through the method of combining literature review and case analysis. Research shows that supply chain finance can effectively integrate the resources of upstream and downstream enterprises, with the credit support of core enterprises, alleviate the financing constraints of small and medium-sized enterprises, and improve the efficiency of capital use. At the same time, this study found that there are potential risks such as information asymmetry and credit transmission failure in supply chain finance, and proposed to build a multi-party collaborative risk prevention and control system, strengthen the application of financial technology, and optimize the ecology of supply chain finance. The research results show that supply chain finance not only expands the financing channels of small and medium-sized enterprises, but also promotes the overall coordinated development of the industrial chain, which has important theoretical significance and practical value.
Keyword:Supply Chain Finance Small And Medium-Sized Enterprise Financing Risk Control
目 录
1绪论 1
1.1研究背景与意义 1
1.2国内外研究现状 1
1.3研究方法与思路 1
2供应链金融模式分析 2
2.1供应链金融基本概念 2
2.2主要融资模式解析 3
2.3中小企业适用性评估 3
3应用效果及影响因素 4
3.1融资可获得性提升 4
3.2成本降低与效率提高 4
3.3关键影响因素分析 5
4风险识别与控制策略 6
4.1主要风险类型识别 6
4.2风险预警机制构建 6
4.3综合防控措施探讨 7
结论 7
参考文献 9
致谢 10
供应链金融作为一种创新的金融服务模式，为解决中小企业融资难问题提供了新思路。在当前经济环境下，中小企业面临资金短缺、信用不足等困境，传统融资渠道难以满足其发展需求。本研究旨在探讨供应链金融在中小企业融资中的应用机制与风险控制策略，通过文献综述与案例分析相结合的方法，深入剖析供应链金融的运作模式及其对中小企业的实际影响。研究表明，供应链金融能够有效整合上下游企业资源，借助核心企业的信用支持，缓解中小企业融资约束，提高资金使用效率。同时，本研究发现供应链金融存在信息不对称、信用传递失效等潜在风险，并提出构建多方协同的风险防控体系，强化金融科技应用，优化供应链金融生态。研究结果表明，供应链金融不仅拓宽了中小企业的融资渠道，还促进了产业链整体协同发展，具有重要的理论意义和实践价值。
关键词：供应链金融 中小企业融资 风险控制
Abstract
As an innovative financial service mode, supply chain finance provides a new idea for solving the financing difficulties of small and medium-sized enterprises. In the current economic environment, small and medium-sized enterprises are facing difficulties such as capital shortage and credit shortage, and the traditional financing channels are difficult to meet their development needs. The purpose of this study is to explore the application mechanism and risk control strategy of supply chain finance in SME financing, and to deeply analyze the operation mode and its actual impact of supply chain finance through the method of combining literature review and case analysis. Research shows that supply chain finance can effectively integrate the resources of upstream and downstream enterprises, with the credit support of core enterprises, alleviate the financing constraints of small and medium-sized enterprises, and improve the efficiency of capital use. At the same time, this study found that there are potential risks such as information asymmetry and credit transmission failure in supply chain finance, and proposed to build a multi-party collaborative risk prevention and control system, strengthen the application of financial technology, and optimize the ecology of supply chain finance. The research results show that supply chain finance not only expands the financing channels of small and medium-sized enterprises, but also promotes the overall coordinated development of the industrial chain, which has important theoretical significance and practical value.
Keyword:Supply Chain Finance Small And Medium-Sized Enterprise Financing Risk Control
目 录
1绪论 1
1.1研究背景与意义 1
1.2国内外研究现状 1
1.3研究方法与思路 1
2供应链金融模式分析 2
2.1供应链金融基本概念 2
2.2主要融资模式解析 3
2.3中小企业适用性评估 3
3应用效果及影响因素 4
3.1融资可获得性提升 4
3.2成本降低与效率提高 4
3.3关键影响因素分析 5
4风险识别与控制策略 6
4.1主要风险类型识别 6
4.2风险预警机制构建 6
4.3综合防控措施探讨 7
结论 7
参考文献 9
致谢 10
