中小企业供应链融资业务及风险控制研究论文.docVIP

本科生毕业论文（设计） 姓名 ： 学号 ： 班级 ： 年级 ： 专业 ： 学院 ： 指导教师 ： 完成时间 ： 银行发展中小企业供应链融资业务的研究 ——以“金改”背景下泉州某农商行为例 Study on Development of SEMs Supply Chain Financial Service for Banks ——Take one of Quanzhou Rural Commercial Bank as an Exemple Zheng, Ming mei 摘 要 在中小企业发展过程中，融资难的问题是一直以来制约中小企业发展的重要因素，尤其是福建泉州，素以民营经济的活跃而著称伴随着国际市场竞争日益激烈、国内经济结构调整步伐加快，泉州民营经济也进入了一个发展平台期，大批本土中小企业迫切需要转型升级、做大做强。2012年12月21日泉州市第三个国家级金融综合改革试验区总体方案提出，经过五年左右的努力，基本形成与泉州经济社会发展相匹配、分层有序的金融组织体系，着力拓宽资金投入实体经济渠道。Abstract In the process of the development of SMEs, the financing problem has been an important factor restricting the development of SMEs, especially in Quanzhou, Fujian Province, which is known for active private economy. Along with the increasingly fierce competition in international market, accelerating the pace of domestic economic restructuring, Quanzhou private economy entered a development platform period, and a large number of local SMEs has an urgent need for transformation and upgrading to become bigger and stronger. At the same time, the intense financial market requires banks to find new profit growth point. Quanzhou rural commercial banks，as local financial institutions, play a catalytic role in the development of Quanzhou economy, especially the SMEs, but it is still in a weak position, looking for a new development way become critical. As a system innovation, Supply Chain Finance collects variety resources of business, finance, financial products to achieve the optimization welfare of the parties, which provides a solution of financing and technology bottlenecks for SMEs, and brings new profit models for the banks. Supply Chain Finance based on the real economy of supply chain, providing a range of financing products on the relationship between the upstream and downstream of supply chain, which can reduce financing cost of SMEs. Supply Chain Finance has brought a new way to solve the financing difficulties of SMEs in Quanzhou, and brought new opportunities for the development of