摘 要
供应链金融，作为一种创新的金融服务模式，旨在通过整合供应链中的物流、信息流和资金流，为中小企业提供全面、高效的金融支持。其基本概念强调了在真实贸易背景下，利用金融手段优化供应链运作效率，降低企业融资成本。供应链金融的运作模式通常围绕核心企业展开，形成“1+N”模式，即为核心企业及其上下游的中小企业提供融资服务。其主要特点包括封闭性和自偿性，确保资金在供应链中的封闭循环，降低融资风险；授信方式的转变，以供应链整体运作情况为授信依据，降低了中小企业融资门槛；风险相对可控，通过闭合式资金运作和实时监控，确保资金安全。在中小企业供应链管理中，供应链金融的应用广泛。它不仅能够解决中小企业融资难题，提高资金使用效率，还能增强供应链稳定性，降低融资风险。然而，在实际应用中，供应链金融也面临诸多挑战，如金融机构对供应链行业的认识度不足、信息不透明、中小企业融资难且贵、金融科技投入不足等。为应对这些挑战，需要采取相应策略。首先，加强金融机构对供应链金融的培训和宣传，提高认识度；其次，建立供应链金融信息平台，实现信息透明化；再次，发展多样化的供应链金融产品，满足中小企业融资需求；最后，加大金融科技投入，推动供应链金融创新发展。通过这些策略的实施，有望推动供应链金融在中小企业供应链管理中发挥更大作用。
关键词：供应链金融；中小企业；供应链管理
Abstract
Supply chain finance, as an innovative financial service model, aims to provide comprehensive and efficient financial support for small and medium-sized enterprises by integrating logistics, information flow, and capital flow in the supply chain. Its basic concept emphasizes the use of financial means to optimize the efficiency of supply chain operations and reduce financing costs for enterprises in the context of real trade. The operation mode of supply chain finance usually revolves around the core enterprise, forming a "1+N" model, which provides financing services for the core enterprise and its upstream and downstream small and medium-sized enterprises. Its main characteristics include closure and self compensation, ensuring a closed cycle of funds in the supply chain and reducing financing risks; The transformation of credit granting methods, based on the overall operation of the supply chain, has lowered the financing threshold for small and medium-sized enterprises; The risk is relatively controllable, ensuring the safety of funds through closed fund operations and real-time monitoring. Supply chain finance is widely used in supply chain management for small and medium-sized enterprises. It can not only solve the financing difficulties of small and medium-sized enterprises, improve the efficiency of fund utilization, but also enhance supply chain stability and reduce financing risks. However, in practical applications, supply chain finance also faces many challenges, such as insufficient understanding of the supply chain industry by financial institutions, opaque information, difficult and expensive financing for small and medium-sized enterprises, and insufficient investment in financial technology. To address these challenges, corresponding strategies need to be adopted. Firstly, strengthen the training and promotion of supply chain finance by financial institutions to increase awareness; Secondly, establish a supply chain financial information platform to achieve information transparency; Once again, develop diversified supply chain financial products to meet the financing needs of small and medium-sized enterprises; Finally, increase investment in financial technology and promote innovative development of supply chain finance. Through the implementation of these strategies, it is expected to promote supply chain finance to play a greater role in supply chain management for small and medium-sized enterprises.
Keywords: Supply chain finance; Small and medium-sized enterprises; supply chain management
目录
摘 要 I
Abstract II
第1章 绪论 1
1.1 研究背景及意义 1
1.2 研究目的及内容 1
1.3 国内外研究现状 2
第2章 供应链金融概述 3
2.1 供应链金融的基本概念 3
2.2 供应链金融的运作模式 3
2.3 供应链金融的主要特点 4
2.3.1 封闭性和自偿性 4
2.3.2 授信方式的转变 4
2.3.3 风险相对可控 5
第3章 供应链金融在中小企业供应链管理中的应用 6
3.1 解决中小企业融资难题 6
3.2 提高资金使用效率 6
3.3 增强供应链稳定性 7
3.4 降低融资风险 7
第4章 供应链金融在中小企业供应链管理应用中面临的挑战 8
4.1 认识度不足 8
4.2 信息不透明 8
4.3 融资难、融资贵 9
4.4 金融科技投入不足 9
第5章 供应链金融在中小企业供应链管理应用中的应对策略 10
5.1 加强培训和宣传 10
5.2 建立供应链金融信息平台 10
5.3 发展供应链金融产品 11
5.4 加大金融科技投入 11
结 论 12
参考文献 13
