论文部分内容阅读
供应链金融是在货币政策紧缩的前提下,为中小企业解决融资困难问题的新途径。作为一种新的融资模式,它能有效缓解“中小企业融资失灵”的困境,同时作为新的产业增值方式,它在银行发展实践的过程中也凸显了优势。供应链金融的理念和运作模式等方面若运用得当、因地制宜,能有效针对目前中小企业融资症结所在,逐一突破;对于银行方面,该理念的优势体现在提高银行经济效益,弥补银行与企业信息不对称的固有弊端,为银行稳定了高端客户市场。文章就行业现状进行分析,并探讨基于供应链金融的中小企业融资优势,提出可行的实践建议。
Supply chain finance is a new way for SMEs to solve financing difficulties under the premise of tighter monetary policy. As a new financing model, it can effectively alleviate the plight of “SME financing failure”, and at the same time as a new way of industrial value added, it also highlights the advantages in the bank’s development practice. The concept and mode of operation of supply chain finance, if used properly and adapted to local conditions, effectively address the crux of SME financing at present and break through them one by one. For banks, the advantages of this concept are to enhance the economic efficiency of banks and make up for the difference between bank and enterprise information The inherent shortcomings of symmetry have stabilized the high-end customer market for banks. The paper analyzes the status quo of the industry, and discusses the financing advantages of SMEs based on supply chain finance, and puts forward feasible suggestions.