应收账款线上融资模式研究——以吉林省吉林市为例  

Research on Online Financing Mode of Accounts Receivable: Take Jilin City,Jilin Province as an Example

作　　者：鲁雪岩[1] 陈岩[1] 马树华[2] 陈妍[2] 贾欣悦 王誉衡 Lu Xueyan;Chen Yan;Ma Shuhua;Chen Yan;Jia Xinyue;Wang Yuheng(Changchun Central Branch,People’s Bank of China,Changchun 130000,Jilin,China;Jilin Central Sub-Branch,People’s Bank of China,Jilin 132000,Jilin,China)

机构地区：[1]中国人民银行长春中心支行,吉林长春130000 [2]中国人民银行吉林市中心支行,吉林吉林132000

出　　处：《征信》2022年第1期66-70,共5页Credit Reference

摘　　要：发展应收账款线上融资是缓解中小微企业融资难融资贵的有效手段,基于吉林省吉林市应收账款融资工作实践,研究探索出一个有效的应收账款线上融资模式。该模式有效降低了中小微企业融资成本,提高了融资效率,对吉林市经济发展和营商环境改善,以及社会稳定发挥了积极作用。通过对吉林市应收账款线上融资影响因素及融资成效的分析,进一步提出优化应收账款融资服务平台,建立线上融资激励约束制度,完善平台应用法律法规和构建多部门联动机制等政策建议。The development of receivables online financing is an effective means to alleviate the financing difficulties and expensive financing of small, medium and micro enterprises. Based on the practice of receivables financing in Jilin City, Jilin Province, an effective online financing mode of receivables is explored. This mode effectively reduces the financing cost of small, medium and micro enterprises, improves the financing efficiency, and plays a positive role in Jilin city’s economic development, business environment improvement, and social stability.Based on the analysis of the influencing factors and financing effects of online accounts receivable financing in Jilin City, the article puts forward some policy suggestions, such as optimizing accounts receivable financing service platform, establishing online financing incentive and restraint system, improving the platform application laws and regulations and constructing multi-sector linkage mechanism.

关 键 词：应收账款线上融资 平台应用 融资模式 融资效率 中小微企业 

分 类 号：F832.4[经济管理—金融学] F276.3