供应链金融模式对中小微企业融资的影响分析
摘 要
供应链金融模式是一种针对中小微企业融资问题的新型融资模式，可以通过整合供应链中的资金流，降低融资成本，并拓宽融资渠道。本论文对供应链金融模式对中小微企业融资的影响进行了分析，发现其在解决中小微企业融资问题方面具有明显优势。供应链金融模式可以降低融资成本、提高资金流动性、改善风险分担机制，并拓宽融资渠道，从而满足中小微企业的多样化融资需求。然而，中小微企业融资面临的挑战和障碍仍然存在，包括资金需求的多样性、银行信贷限制、中小微企业信用评估难题以及法律环境不完善。因此，政府、金融机构和企业需要共同努力，进一步推动供应链金融模式的发展，为中小微企业提供更多的融资支持。
关键词：供应链金融模式、中小微企业、融资渠道
Abstract
Supply chain finance model is a new financing model for the financing problems of micro, small and medium-sized enterprises. It can integrate the capital flow in the supply chain, reduce the financing cost, and broaden the financing channels. This paper analyzes the influence of supply chain finance model on the financing of SMEs and finds that it has obvious advantages in solving the financing problem of MSMEs. Supply chain finance model can reduce financing costs, improve capital liquidity, improve risk sharing mechanism, and broaden financing channels, so as to meet the diversified financing needs of micro, small and medium-sized enterprises. However, the challenges and obstacles facing the financing still exist, including the diversity of capital needs, bank credit restrictions, difficulties in credit evaluation of msmes and the imperfect legal environment. Therefore, the government, financial institutions and enterprises need to work together to further promote the development of the supply chain finance model and provide more financing support for micro, small and medium-sized enterprises.
Keyword: Supply chain finance model、small, medium and micro enterprises、 financing channels
目 录
1 引言 1
2 相关理论阐述 1
2.1 供应链金融的定义 1
2.2 供应链金融业务模式 2
2.3 供应链金融的优势 2
3 中小微企业融资的挑战和障碍 3
3.1 资金需求的多样性 3
3.2 银行信贷限制 4
3.3 中小微企业信用评估难题 4
3.4 法律环境不完善 5
4 供应链金融模式在解决中小微企业融资问题中的对策 6
4.1 融资成本降低 6
4.2 融资渠道拓宽 7
4.3 风险分担机制改善 7
4.4 资金流动性提高 8
5 结语 9
参考文献 10
致谢 11
摘 要
供应链金融模式是一种针对中小微企业融资问题的新型融资模式，可以通过整合供应链中的资金流，降低融资成本，并拓宽融资渠道。本论文对供应链金融模式对中小微企业融资的影响进行了分析，发现其在解决中小微企业融资问题方面具有明显优势。供应链金融模式可以降低融资成本、提高资金流动性、改善风险分担机制，并拓宽融资渠道，从而满足中小微企业的多样化融资需求。然而，中小微企业融资面临的挑战和障碍仍然存在，包括资金需求的多样性、银行信贷限制、中小微企业信用评估难题以及法律环境不完善。因此，政府、金融机构和企业需要共同努力，进一步推动供应链金融模式的发展，为中小微企业提供更多的融资支持。
关键词：供应链金融模式、中小微企业、融资渠道
Abstract
Supply chain finance model is a new financing model for the financing problems of micro, small and medium-sized enterprises. It can integrate the capital flow in the supply chain, reduce the financing cost, and broaden the financing channels. This paper analyzes the influence of supply chain finance model on the financing of SMEs and finds that it has obvious advantages in solving the financing problem of MSMEs. Supply chain finance model can reduce financing costs, improve capital liquidity, improve risk sharing mechanism, and broaden financing channels, so as to meet the diversified financing needs of micro, small and medium-sized enterprises. However, the challenges and obstacles facing the financing still exist, including the diversity of capital needs, bank credit restrictions, difficulties in credit evaluation of msmes and the imperfect legal environment. Therefore, the government, financial institutions and enterprises need to work together to further promote the development of the supply chain finance model and provide more financing support for micro, small and medium-sized enterprises.
Keyword: Supply chain finance model、small, medium and micro enterprises、 financing channels
目 录
1 引言 1
2 相关理论阐述 1
2.1 供应链金融的定义 1
2.2 供应链金融业务模式 2
2.3 供应链金融的优势 2
3 中小微企业融资的挑战和障碍 3
3.1 资金需求的多样性 3
3.2 银行信贷限制 4
3.3 中小微企业信用评估难题 4
3.4 法律环境不完善 5
4 供应链金融模式在解决中小微企业融资问题中的对策 6
4.1 融资成本降低 6
4.2 融资渠道拓宽 7
4.3 风险分担机制改善 7
4.4 资金流动性提高 8
5 结语 9
参考文献 10
致谢 11
