摘要
中小企业作为经济发展的重要组成部分，其融资难问题长期制约着企业成长与产业升级。供应链金融作为一种创新性融资模式，通过整合供应链中的物流、信息流和资金流，为中小企业提供了新的融资途径。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及其潜在风险，并提出优化策略。研究采用定性分析与定量建模相结合的方法，通过对典型供应链金融案例的深入剖析以及对相关数据的统计分析，揭示了供应链金融在缓解中小企业融资约束方面的显著作用。研究表明，供应链金融不仅能够降低中小企业的融资成本，还能提升整个供应链的协同效率。然而，该模式也面临核心企业信用风险、信息不对称以及法律监管不足等挑战。本文创新性地构建了一个基于多层次风险管理框架的评估模型，为供应链金融的风险控制提供了理论支持与实践指导。研究结论表明，通过完善供应链金融生态体系、强化信息技术应用以及健全法律法规，可以有效促进供应链金融的可持续发展，从而更好地服务于中小企业融资需求。这一研究成果对推动供应链金融理论发展及实践应用具有重要参考价值。
关键词：中小企业融资；供应链金融；风险控制；协同效率；法律法规
Abstract
Small and medium-sized enterprises (SMEs), as a critical component of economic development, have long been constrained in their growth and industrial upgrading due to difficulties in accessing financing. Supply chain finance (SCF), as an innovative financing model, integrates the logistics, information flow, and capital flow within a supply chain, offering new avenues for SME financing. This study investigates the application mechanisms of SCF in SME financing and its associated potential risks, while proposing optimization strategies. By employing a combination of qualitative analysis and quantitative modeling, the research delves into typical SCF cases and conducts statistical analyses of relevant data, revealing the significant role of SCF in alleviating financing constraints for SMEs. The findings indicate that SCF not only reduces financing costs for SMEs but also enhances the collaborative efficiency of the entire supply chain. However, challenges such as credit risk from core enterprises, information asymmetry, and insufficient legal supervision remain. This paper innovatively constructs an evaluation model based on a multi-level risk management fr amework, providing theoretical support and practical guidance for risk control in SCF. The conclusion suggests that improving the SCF ecosystem, strengthening the application of information technology, and refining laws and regulations can effectively promote the sustainable development of SCF, thereby better serving the financing needs of SMEs. This research holds important reference value for advancing both the theoretical development and practical application of SCF.
Keywords：Sme Financing; Supply Chain Finance; Risk Control; Collaborative Efficiency; Laws And Regulations
目 录
摘要 I
Abstract II
一、绪论 1
(一) 供应链金融与中小企业融资的研究背景 1
(二) 研究供应链金融在中小企业融资中的意义 1
(三) 国内外研究现状综述 2
二、供应链金融在中小企业融资中的应用模式 2
(一) 应收账款融资的应用分析 2
(二) 存货质押融资的实践探讨 3
(三) 预付款融资的实施路径 3
三、中小企业供应链金融融资的影响因素 4
(一) 核心企业的信用支持作用 4
(二) 金融机构的风险评估机制 4
(三) 中小企业的内部管理能力 5
四、供应链金融在中小企业融资中的风险分析与应对策略 6
(一) 运营风险的识别与评估 6
(二) 信用风险的防范措施 6
(三) 系统性风险的管理对策 7
结 论 8
参考文献 9
