供应链金融模式下的中小企业融资问题研究
摘要
中小企业作为经济发展的重要组成部分，在促进就业、推动创新和稳定经济增长方面发挥着不可替代的作用，但其融资难问题长期制约了企业的发展。在供应链金融模式下，通过整合资金流、物流和信息流，为中小企业提供了新的融资途径。本研究以供应链金融为切入点，探讨其对缓解中小企业融资困境的作用机制，并结合实证分析验证其有效性。研究采用定性与定量相结合的方法，首先梳理供应链金融的理论框架，随后选取典型行业数据进行案例分析，最后运用统计模型评估不同模式下的融资效果。研究表明，供应链金融能够显著降低中小企业的融资成本，提高融资效率，同时增强核心企业和上下游企业的协同效应。本研究的创新点在于提出了基于动态风险评估的供应链金融优化模型，该模型能够更精准地反映企业信用状况，从而提升金融机构的风险管理能力。此外，研究还揭示了供应链金融在不同产业中的适用性和局限性，为政策制定者和实践者提供了有价值的参考。总体而言，本研究不仅深化了对供应链金融的理解，也为解决中小企业融资难题提供了切实可行的解决方案。
关键词：中小企业融资；供应链金融；动态风险评估
Abstract
Small and medium-sized enterprises (SMEs), as a critical component of economic development, play an irreplaceable role in promoting employment, driving innovation, and stabilizing economic growth. However, their development has long been constrained by difficulties in accessing financing. Under the fr amework of supply chain finance, the integration of capital flow, logistics, and information flow provides SMEs with new avenues for financing. This study examines supply chain finance as a starting point to explore its mechanism in alleviating the financing challenges faced by SMEs and verifies its effectiveness through empirical analysis. A combination of qualitative and quantitative approaches is adopted in this research. First, the theoretical fr amework of supply chain finance is systematically reviewed. Subsequently, case studies are conducted using data from representative industries, followed by the application of statistical models to evaluate financing outcomes under different modes. The findings indicate that supply chain finance significantly reduces the financing costs of SMEs while enhancing financing efficiency and strengthening the synergistic effects between core enterprises and upstream/downstream partners. A key innovation of this study lies in the proposal of an optimized supply chain finance model based on dynamic risk assessment, which more accurately reflects the credit status of enterprises and thereby improves financial institutions' risk management capabilities. Moreover, the study elucidates the applicability and limitations of supply chain finance across various industries, offering valuable insights for policymakers and practitioners. Overall, this research not only deepens the understanding of supply chain finance but also provides practical solutions to address the financing difficulties of SMEs.
Keywords：Sme Financing; Supply Chain Finance; Dynamic Risk Assessment
目 录
摘要 I
Abstract II
一、绪论 1
(一) 研究背景与意义 1
(二) 国内外研究现状分析 1
(三) 研究方法与技术路线 1
（四） 研究目的和内容 2
二、供应链金融模式的基本理论 2
(一) 供应链金融的核心概念 2
(二) 供应链金融的运行机制 3
(三) 中小企业融资的特点与需求 3
三、中小企业融资困境及成因分析 4
(一) 中小企业融资的主要障碍 4
(二) 资金供需失衡的表现形式 5
(三) 融资难问题的深层次原因 5
四、供应链金融模式下中小企业融资解决方案 6
(一) 基于核心企业的信用支持 6
(二) 应收账款融资的应用实践 6
(三) 金融科技在供应链金融中的作用 7
结 论 8
参考文献 9
摘要
中小企业作为经济发展的重要组成部分，在促进就业、推动创新和稳定经济增长方面发挥着不可替代的作用，但其融资难问题长期制约了企业的发展。在供应链金融模式下，通过整合资金流、物流和信息流，为中小企业提供了新的融资途径。本研究以供应链金融为切入点，探讨其对缓解中小企业融资困境的作用机制，并结合实证分析验证其有效性。研究采用定性与定量相结合的方法，首先梳理供应链金融的理论框架，随后选取典型行业数据进行案例分析，最后运用统计模型评估不同模式下的融资效果。研究表明，供应链金融能够显著降低中小企业的融资成本，提高融资效率，同时增强核心企业和上下游企业的协同效应。本研究的创新点在于提出了基于动态风险评估的供应链金融优化模型，该模型能够更精准地反映企业信用状况，从而提升金融机构的风险管理能力。此外，研究还揭示了供应链金融在不同产业中的适用性和局限性，为政策制定者和实践者提供了有价值的参考。总体而言，本研究不仅深化了对供应链金融的理解，也为解决中小企业融资难题提供了切实可行的解决方案。
关键词：中小企业融资；供应链金融；动态风险评估
Abstract
Small and medium-sized enterprises (SMEs), as a critical component of economic development, play an irreplaceable role in promoting employment, driving innovation, and stabilizing economic growth. However, their development has long been constrained by difficulties in accessing financing. Under the fr amework of supply chain finance, the integration of capital flow, logistics, and information flow provides SMEs with new avenues for financing. This study examines supply chain finance as a starting point to explore its mechanism in alleviating the financing challenges faced by SMEs and verifies its effectiveness through empirical analysis. A combination of qualitative and quantitative approaches is adopted in this research. First, the theoretical fr amework of supply chain finance is systematically reviewed. Subsequently, case studies are conducted using data from representative industries, followed by the application of statistical models to evaluate financing outcomes under different modes. The findings indicate that supply chain finance significantly reduces the financing costs of SMEs while enhancing financing efficiency and strengthening the synergistic effects between core enterprises and upstream/downstream partners. A key innovation of this study lies in the proposal of an optimized supply chain finance model based on dynamic risk assessment, which more accurately reflects the credit status of enterprises and thereby improves financial institutions' risk management capabilities. Moreover, the study elucidates the applicability and limitations of supply chain finance across various industries, offering valuable insights for policymakers and practitioners. Overall, this research not only deepens the understanding of supply chain finance but also provides practical solutions to address the financing difficulties of SMEs.
Keywords：Sme Financing; Supply Chain Finance; Dynamic Risk Assessment
目 录
摘要 I
Abstract II
一、绪论 1
(一) 研究背景与意义 1
(二) 国内外研究现状分析 1
(三) 研究方法与技术路线 1
（四） 研究目的和内容 2
二、供应链金融模式的基本理论 2
(一) 供应链金融的核心概念 2
(二) 供应链金融的运行机制 3
(三) 中小企业融资的特点与需求 3
三、中小企业融资困境及成因分析 4
(一) 中小企业融资的主要障碍 4
(二) 资金供需失衡的表现形式 5
(三) 融资难问题的深层次原因 5
四、供应链金融模式下中小企业融资解决方案 6
(一) 基于核心企业的信用支持 6
(二) 应收账款融资的应用实践 6
(三) 金融科技在供应链金融中的作用 7
结 论 8
参考文献 9
