基于供應(yīng)鏈融資租賃的中小企業(yè)融資

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摘 要
一直以來，中小企業(yè)在我國扮演著社會和經(jīng)濟(jì)的穩(wěn)定發(fā)展一個(gè)重要角色。特別是改革開放以來，市場競爭激活了中小企業(yè)，提高市場效率，發(fā)展中小企業(yè)是解決現(xiàn)階段我國的就業(yè)問題的重要途徑。但是，由于中小企業(yè)抗風(fēng)險(xiǎn)能力低，生產(chǎn)經(jīng)營不規(guī)范和金融體系的原因，中小企業(yè)一直面臨融資困難的問題。因此，政府也采取了很多措施，包括補(bǔ)貼，貸款，風(fēng)險(xiǎn)投資等。但在實(shí)踐中，卻由于種種原因，這些措施的效果并不理想。本文將總結(jié)國內(nèi)外文獻(xiàn)的研究成果，深入分析的現(xiàn)狀，特別是中國的中小企業(yè)的融資路徑選擇來分析企業(yè)的融資困難，并根據(jù)實(shí)際，結(jié)合供應(yīng)鏈融資和融資租賃兩種模式，加上一定的的融資租賃實(shí)地調(diào)研工作，探討了提高中小企業(yè)的融資效率的新途徑——基于供應(yīng)鏈融資租賃模式的模式。為了解決中國中小企業(yè)融資問題提供了可靠，有效的解決方案。該模型的主體包括政府，金融機(jī)構(gòu)（銀行和金融租賃公司） ，有融資需求的中小型企業(yè)及其上下游企業(yè)。供應(yīng)鏈融資租賃模式結(jié)合了供應(yīng)鏈融資的穩(wěn)定性和融資租賃的靈活性，突破了單純的銀行貸款和政府政策依托，實(shí)現(xiàn)多多方共贏。
本文討論了供應(yīng)鏈融資租賃的定義，基本理論的基本特征，進(jìn)一步說明了供應(yīng)鏈融資資租賃模式，進(jìn)一步討論了模式的優(yōu)越性和創(chuàng)新。蘇州紡織業(yè)B公司供應(yīng)鏈融資租賃的實(shí)例分析的基礎(chǔ)上，從模式參與的三個(gè)主體的角度，針對性的提出了對三方的建議，以發(fā)展和完善供應(yīng)鏈融資租賃，對解決中小企業(yè)融資問題作了有益探索。

關(guān)鍵詞：供應(yīng)鏈 融資租賃 供應(yīng)鏈融資租賃


ABSTRACT
All the time, small and medium-sized enterprises in our country play a stable social and economic development an important role. Especially since the reform and opening up, the market competition activation of the small and medium-sized enterprises, improve market efficiency, the development of small and medium-sized enterprises is an important way to solve the problem of employment in our country at the present stage. However, due to the small and medium-sized enterprise anti risk ability is low, the production and business operation is not standard and the reason of the financial system, small and medium-sized enterprises have been facing financial difficulties. Therefore, the government has taken many measures, including subsidies, loan, risk investment. But in practice, but due to various reasons, the effect of these measures is not ideal. The results of this study will summarize the literature at home and abroad, the analysis of current situation, especially the choice of financing for small and medium-sized enterprises Chinese to analysis the financing difficulties of enterprises, and according to the actual, combined with supply chain financing and financing lease in two modes, plus a lease financing fieldwork, discusses the new ways to improve the financing efficiency of small and medium enterprises -- Based on supply chain financing leasing mode. In order to solve the financing problem of small and medium-sized enterprises China provides reliable, efficient solution. The main body of the model including the government, financial institutions (banks and Finance Leasing Company), financing needs of small and medium enterprises and their upstream and downstream enterprises. Supply chain financing lease model combined the supply chain stability and financing lease financing flexibility, breaks the pure bank lending and government policy support, to achieve a win-win situation.
This paper discusses the definition of supply chain financing lease, basic theory, further illustrates the supply chain financing lease model, further discusses the superiority and innovation mode. Analyzing the instance of supply chain financing lease in Suzhou textile industry of B company, from the three main modes of participation perspective, puts forward the three proposal, to develop and improve the supply chain financing lease, made beneficial exploration to solve the financing problem of small and medium-sized enterprises.
Key words：Supply chain Financing lease Supply chain financing lease


目 錄
1 中小企業(yè)及供應(yīng)鏈融資租賃概述 1
1.1中小企業(yè)的概述 1
1.1.1中小企業(yè)的界定 1
1.1.2企業(yè)融資的概念及方式 2
1.2供應(yīng)鏈融資租賃概述 3
1.2.1供應(yīng)鏈 3
1.2.2融資租賃 4
1.2.3供應(yīng)鏈融資租賃 5
2 中小企業(yè)融資難分析及供應(yīng)鏈融資租賃的可行性 5
2 中小企業(yè)融資難的成因 5
2.1.1融資方式單一 5
2.1.2中小企業(yè)獲金融服務(wù)偏低 6
2.1.3中小企業(yè)擔(dān)保不足 6
2.1.4上市和發(fā)行債券不易 7
2.1.5中介體系不健全 7
2.2供應(yīng)鏈融資租賃的可行性分析 7
3供應(yīng)鏈融資租賃的模式探討 9
3.1供應(yīng)鏈融資租賃的運(yùn)行模式 9
3.2供應(yīng)鏈融資租賃的兩種模式 10
3.2.1固定資產(chǎn)危機(jī)模式 10
3.2.2現(xiàn)金流危機(jī)模式 10
4 蘇州紡織業(yè)B公司供應(yīng)鏈融資租賃案例分析 11
4.1案例背景 11
4.2供應(yīng)鏈融資租賃的具體實(shí)施 12
4.2.1改善中小企業(yè)經(jīng)營狀況 12
4.2.2實(shí)現(xiàn)平攤風(fēng)險(xiǎn) 12
4.2.3實(shí)現(xiàn)供應(yīng)鏈自擔(dān)保 13
5發(fā)展和完善中小企業(yè)供應(yīng)鏈融資租賃的建議 13
5.1中小企業(yè)自身 13
5.2融資租賃公司 14
5.3政府方面 14
結(jié)束語 16
文獻(xiàn)綜述 17