论银企联盟供应链的融资风险控制  

Financing Risks Controlling of the Bank-Enterprise Alliance Supply Chain

作　　者：弯红地[1] 张莹莹[1] 

机构地区：[1]黄淮学院经济管理系,河南驻马店463000

出　　处：《天中学刊》2012年第5期33-36,共4页Journal of Tianzhong

基　　金：河南省软科学研究项目(102400450219)

摘　　要：基于银企联盟供应链的中小企业融资是银行通过与核心企业组成银企联盟,签订战略联盟合作协议,双方共同成为供应链中的核心成员,供应链的核心企业在合作银行授信的额度内,为其他中小企业进行融资担保的模式。它作为一种创新的融资模式,可以建立起银行与企业在合作和信任基础上的融资互保关系,但它依然存在一定的融资风险,银企联盟需要通过建立相应的监控机制,实现有效的相互监督和控制,以降低这种风险。Financing activity based on the bank-enterprise alliance supply chain is a combined financing service which offers guarantees for upstream suppliers and downstream suppliers＇ credit.By using the credit granting of co-operative banks through core enterprise in supply chain,the minor enterprise could obtain more financing opportunities.As an innovative financing mode,it builds up the financing mutual-insurance relationship among enterprises on supply chains that based on enterprise credit and reduces difficulty and risk of financing effectively with its flexible way.However,there still have certain risks in this financing mode.It achieves the goal of financing risks decreasing through the establishment of appropriate monitoring mechanisms,and effective mutual supervision and control.

关 键 词：银企联盟供应链 融资风险 风险控制 

分 类 号：F832[经济管理—金融学]