供应链金融的融资产品设计与优化-工商管理专业论文.docxVIP

中文摘要 供应链金融业务定位于服务供应链上的广大的中小企业，它紧紧围绕核心企 业展开，利用核心企业的强势地位和资信优势，整合了供应链上的信息流、物流 和资金流，可以为链上企业提供全面的融资、物流等服务。它针对当前供应链上 的中小企业整体实力和资信水平不高的现况，通过优化现有的供应链上下游企业 间的合作关系，将原来单个企业不可控的信用风险转变为整体供应链的可控风 险。突破了银行等金融机构以单一企业为授信主体的传统授信模式，拓宽了银行 业务渠道，有效控制了信贷风险，为广大中小企业解决“融资难”的问题提供了 全新的方案。 我国银行的供应链金融业务相对于国外起步较晚，相关的融资服务和融资产 品都有待完善。供应链融资产品种类不多，很难适应广大中小企业多种多样的融 资需求；另一方面国内银行对于供应链金融产品的定价缺乏实际经验，产品价格 普遍过高，无法保证在银行信贷风险可控的范围内实现融资企业的受益最大化， 导致该金融创新很难在供应链上的中小企业间推广；同时当前的供应链融资产品 在实际的运营过程中还经常会遇到各种各样的问题，这又进一步影响了产品的运 行效率和市场价值。如何在银行信贷风险可控的范围内优化供应链融资产品结 构；提高产品运营效率；实现产品价值；进而提升所服务供应链的整体竞争力， 成为银行急需解决的问题。本文基于上述背景针对供应链金融中的融资产品的优 化进行了系统性的研究。 关键词：供应链金融；核心企业；融资产品；定价；优化 ABSTRACT Supply chain finance provides comprehensive financing services for small and medium-sized enterprises(SMEs)in supply chain and also offers some related consultation training and finance consultation services as well．Supply chain financing services is one of the key services of supply chain finance，its customers are the SMEs and it Call paves the way for addressing the rocky in financing for SMEs，which is able to change the past credit way on individual enterprise body by finance institutions，to take advantage of industrial structural characteristics and understanding on detail of product transaction and to provide financial support to SMEs in supply chain． Supply chain finance services still have long way to go for most of domestic finance institutions，the operation of supply chain financing products also have lots of problems，for instance，the types of supply chain financing products offered by domestic finance institutions is limited，which cannot meets the SMEs，diversification needs．This innovation of finance cannot been promoted extensively in SMEs and also cannot change the established business way by depending on the margin between loan and saving due to the shortage of experience in pricing the supply chain financing products．The proposed workflow of supply chain financing products still is far from perfect during the real operation process，so