物流金融对中小企业的支持.docVIP

内容摘要 近年来，物流金融作为一个金融创新业务在我国发展迅速，成为金融机构增强竞争力及中小企业提供融资渠道，但因为中小企业经济效益较低、装备落后、规模小、可供抵押资产少、信用较低等问题，伴随着中小企业融资困难，物流金融应运而生，物流服务与金融服务的有机结合，物流金融是物流高效组织和协。目前，我国已经有越来越多的银行正在不断加入与物流企业合作的大军，开展物流金融业务为中小企业融资提供服务，并收到了不错的效果。本文对物流金融产生的背景、现状及物流金融的模式等进行分析，结合中信银行的物流金融产品，针对物流金融对中小企业支持服务中存在的相关问题进行讨论，针对物流金融对中小企业支持服务时出现的问题进行防范及提出相应提高物流金融对中小企业的支持建议。 关键词：物流金融；中小企业；融资 Abstract In recent years, the logistics financial business as a financial innovation in our country has developed rapidly, become the competitiveness of financial institutions and small and medium-sized enterprises provide financing channels, but because of the small and medium-sized enterprise economic benefit is low, backward equipment, small size, less available for mortgage assets, credit is relatively low, with financing difficulty of small and medium-sized enterprises, the logistics financial arises at the historic moment, the combination of logistics service with financial service, logistics finance is efficient organization and association. At present, our country has been more and more Banks are constantly to join and cooperation of logistics enterprises, to develop logistics financial business to provide services to small and medium-sized enterprises financing, and received good results. In this paper, the logistics financial background, current situation and mode of logistics financial analysis, combined with the logistics of China citic bank financial products, financial support for small and medium-sized enterprises for logistics services that exist in the related problems are discussed, in view of the logistics financial support for small and medium-sized enterprises service problems to protect against it, and put forward the corresponding improving logistics financial support for small and medium-sized enterprises are suggested. Key words：Logistics finance; Small and medium-sized enterprises; financing 目 录 一、中小企业的融资困境及原因分析 1 （一）中小企业可供抵押的固定资产较少 2 （二）中小企业与银行间信息不对称 2 （三）中小企业融资结构不合理 2 二、物流金融的内涵及产生背景 3 （一）物流金融的内涵 3 （二