供应链金融与中小企业融资能力  

Supply Chain Finance and SMEs Financial Capacity

作　　者：赵亚娟[1] 杨喜孙[2] 刘心报[1] 

机构地区：[1]合肥工业大学管理学院,安徽合肥230001 [2]中国人民银行钦州市中心支行,广西钦州535000

出　　处：《区域金融研究》2009年第11期57-62,共6页Journal of Regional Financial Research

基　　金：安徽省人文重点规划项目(2004SK003ZD);安徽省软科学基金项目(03035005);合肥工业大学教研项目(041103F)

摘　　要：本文主要运用信贷配给理论,从银企信息不对称和盈利不对称角度,说明中小企业融资能力受其自身限制,往往是信贷配给的出局者。而供应链金融是将中小企业置于供应链的大背景下综合考虑,引入核心企业的信用,利用其流动和无形资产进行融资,淡化了中小企业自身规模、信用所带来的融资限制,提升了其信贷能力,一定程度解决了其贷款融资困境。此外本文还用案例简单介绍了交通银行供应链金融发展现状和为中小企业提供贷款的三种供应链金融融资模式。In this paper, from view of credit rationing theory ,asymmetric information and profitability asymmetric , SMEs is often out of credit rationing, because of constraints of financial capacity. But supply chain finance, under consideration of the background of supply chain and introduction of the core business of credit, uses mobile and intangible assets to finance , it dilutes SMEs scale, enhances its credit capacity, and resolves the plight of financing to some extent. Finally, with a brief of the development of the supply chain of the Bank of Communications, it proposes three supply chain financing model for SMEs.

关 键 词：信贷配给理论 中小企业融资 供应链金融 

分 类 号：F830.56[经济管理—金融学]