河南省中小企业“物流金融”融资模式研究
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摘要
中小企业在解决就业和发展经济方面起到了重要的作用,特别在河南省这样一个人口大省,大企业较少,消化就业人口能力也较弱,这就体现了中小企业的重要性。然而,相比中小企业的作用来说,中小企业所受到的支持和发展却是不均衡的,特别是在融资方面,这是制约中小企业发展的关键因素。政府、银行和中小企业本身都在考虑如何解决这个问题,解决中小企业的融资问题,也就是解决了中小企业的关键发展问题。政府苦于不知如何更好促进中小企业发展,银行苦于手里的信贷资金发放不出,这主要是由于中小企业在贷款门槛上比较困难,银行把关较严。传统的融资模式已经不能解决中小企业融资问题。对创新型的融资模式的需求凸现出来。物流金融业务可以很好的解决以上这些问题,现在越来越提倡经济一体化,该模式就是利用银行、中小企业和物流企业解决在生产销售过程产生的“资金错位”现象,这样既开拓了银行和物流企业的利润来源,强化了三方共同的竞争力,这将是现实的必然选择。
本文主要研究的就是解决中小企业融资的创新型模式—物流金融模式,通过这一研究,探索出适应河南省中小企业发展的融资模式,文章主要分为六个部分,第一部分主要介绍了论文的选题背景和意义、国内外文献综述以及研究方法和思路,论文创新点等方面。第二部分分析了河南省“中小企业”物流金融模式发展现状,该部分主要包括了河南省中小企业发展现状和特点、河南省物流业发展现状、河南省中小企业“物流金融”融资模式分类及取得的成果和优势。第三部分主要介绍了河南省中小企业“物流金融”融资模式中存在的问题,包括物流金融基础设施不完善、效率低以及融资风险等,。第四部分,通过国内外融资模式比较借鉴,说明各融资模式的优点,在此基础上完善河南省“物流金融”融资模式。第五部分主要介绍了如何提高“物流金融”融资模式的效率,降低融资模式的风险。第六部分是对河南省中小企业“物流金融”融资模式的结论和展望,物流金融融资模式在河南乃至中国都是一个新兴的融资模式,需要中小企业、物流企业和银行共同的努力来促进该模式的发展,对于中小企业来说,要转变融资观念,不能将目光限于使用已有的固定资产贷款和自有资金来扩大经营,可以使用物流金融模式来解决融资问题。物流企业也不再是传统的物流送货和代收货款等低级的工作,在物流金融中可以发挥其对在途物资的信息准确度把握的优势,与银行和企业合作,对其创利也是一种提升。银行进行物流金融服务扩大了其业务范围带来了更多的收益。物流金融是能够使多方获利的融资模式。但论文中也存在着不足和待完善的地方,这需要在以后的研究中加以改进。
Small and medium-sized enterprises in solving the employment and economic development plays an important role, especially in such a populous province of Henan province, big business is less, absorb employment ability is weaker, it shows the importance of small and medium-sized enterprises. However, compared to the role of small and medium-sized enterprises, small and medium-sized enterprises of support and development is not balanced, especially in terms of financing, which is a key factor restricting the development of small and medium-sized enterprises. The government, Banks and small and medium-sized enterprise itself are considering how to solve this problem, solve the financing problems of small and medium-sized enterprises, which is the key to solve the small and medium-sized enterprises development. Government struggling to do not know how to promote the development of small and medium-sized enterprises, Banks suffer from hands of credit funds to issue not, this is mainly due to the small and medium-sized enterprise is more difficult on loan threshold, bank check is more strict. The traditional financing model cannot solve the small and medium-sized enterprise financing problems. Demand for innovative financing models come out. Logistics financial business can well solve these problems, now more and promote economic integration, the pattern is to use Banks, small and medium-sized enterprises and logistics enterprises to solve in the process of production and sales of\"dislocation\" phenomenon, this exploit both Banks and logistics enterprises source of profits, enhanced the competitiveness of the three parties jointly, this will be the inevitable choice of reality.
This paper studies the solutions to SME financing innovative mode-logistics, financial models, this study, explore financing models to adapt to the development of SMEs in Henan Province, the article is divided into six parts, The first part introduces the thesis the background and significance of domestic and international literature review and research methods and ideas, papers innovation and other aspects. The second part of the analysis Henan Province SME logistics financial model development status, this section includes the status and characteristics of the development of small and medium enterprises in Henan Province, Henan Province, the logistics industry development status of small and medium enterprises in Henan Province logistics finance financing model and achievements and advantages. The third part introduces the problems in the small and medium enterprises in Henan Province Logistics Finance financing model, including logistics finance, inadequate infrastructure, low efficiency and financing risks. The Fourth part, by domestic and foreign financing model, indicating that the advantages of the financing model, to improve on this basis, Henan Province, logistics finance financing model. The fifth part introduces how to improve the logistics finance financing model efficiency and reduce the risk financing model. The sixth part is the outlook of Henan Logistics Finance financing model, the logistics financial financing model in Henan and even China is an emerging financing model, small and medium-sized enterprises, logistics enterprises and banks, joint efforts to promote the development of the model, financing for SMEs, to change the concept, not the eyes limited to the use of an existing fixed asset loans and its own funds to expand its operations, logistics financial model can be used to solve the problem of financing. Logistics enterprises is no longer a the traditional logistics delivery and collection of money and other low-level work, in-transit supplies to grasp the advantages of accuracy of information, cooperation with banks and enterprises can play in the logistics and finance, its profitability is also a improved. Bank logistics and financial services to expand its scope of business to bring more revenue. Logistics Finance was able to make a profit multi-financing mode. Paper also exists shortages and to be improved, which need to be improved in future research.
本文主要研究的就是解决中小企业融资的创新型模式—物流金融模式,通过这一研究,探索出适应河南省中小企业发展的融资模式,文章主要分为六个部分,第一部分主要介绍了论文的选题背景和意义、国内外文献综述以及研究方法和思路,论文创新点等方面。第二部分分析了河南省“中小企业”物流金融模式发展现状,该部分主要包括了河南省中小企业发展现状和特点、河南省物流业发展现状、河南省中小企业“物流金融”融资模式分类及取得的成果和优势。第三部分主要介绍了河南省中小企业“物流金融”融资模式中存在的问题,包括物流金融基础设施不完善、效率低以及融资风险等,。第四部分,通过国内外融资模式比较借鉴,说明各融资模式的优点,在此基础上完善河南省“物流金融”融资模式。第五部分主要介绍了如何提高“物流金融”融资模式的效率,降低融资模式的风险。第六部分是对河南省中小企业“物流金融”融资模式的结论和展望,物流金融融资模式在河南乃至中国都是一个新兴的融资模式,需要中小企业、物流企业和银行共同的努力来促进该模式的发展,对于中小企业来说,要转变融资观念,不能将目光限于使用已有的固定资产贷款和自有资金来扩大经营,可以使用物流金融模式来解决融资问题。物流企业也不再是传统的物流送货和代收货款等低级的工作,在物流金融中可以发挥其对在途物资的信息准确度把握的优势,与银行和企业合作,对其创利也是一种提升。银行进行物流金融服务扩大了其业务范围带来了更多的收益。物流金融是能够使多方获利的融资模式。但论文中也存在着不足和待完善的地方,这需要在以后的研究中加以改进。
Small and medium-sized enterprises in solving the employment and economic development plays an important role, especially in such a populous province of Henan province, big business is less, absorb employment ability is weaker, it shows the importance of small and medium-sized enterprises. However, compared to the role of small and medium-sized enterprises, small and medium-sized enterprises of support and development is not balanced, especially in terms of financing, which is a key factor restricting the development of small and medium-sized enterprises. The government, Banks and small and medium-sized enterprise itself are considering how to solve this problem, solve the financing problems of small and medium-sized enterprises, which is the key to solve the small and medium-sized enterprises development. Government struggling to do not know how to promote the development of small and medium-sized enterprises, Banks suffer from hands of credit funds to issue not, this is mainly due to the small and medium-sized enterprise is more difficult on loan threshold, bank check is more strict. The traditional financing model cannot solve the small and medium-sized enterprise financing problems. Demand for innovative financing models come out. Logistics financial business can well solve these problems, now more and promote economic integration, the pattern is to use Banks, small and medium-sized enterprises and logistics enterprises to solve in the process of production and sales of\"dislocation\" phenomenon, this exploit both Banks and logistics enterprises source of profits, enhanced the competitiveness of the three parties jointly, this will be the inevitable choice of reality.
This paper studies the solutions to SME financing innovative mode-logistics, financial models, this study, explore financing models to adapt to the development of SMEs in Henan Province, the article is divided into six parts, The first part introduces the thesis the background and significance of domestic and international literature review and research methods and ideas, papers innovation and other aspects. The second part of the analysis Henan Province SME logistics financial model development status, this section includes the status and characteristics of the development of small and medium enterprises in Henan Province, Henan Province, the logistics industry development status of small and medium enterprises in Henan Province logistics finance financing model and achievements and advantages. The third part introduces the problems in the small and medium enterprises in Henan Province Logistics Finance financing model, including logistics finance, inadequate infrastructure, low efficiency and financing risks. The Fourth part, by domestic and foreign financing model, indicating that the advantages of the financing model, to improve on this basis, Henan Province, logistics finance financing model. The fifth part introduces how to improve the logistics finance financing model efficiency and reduce the risk financing model. The sixth part is the outlook of Henan Logistics Finance financing model, the logistics financial financing model in Henan and even China is an emerging financing model, small and medium-sized enterprises, logistics enterprises and banks, joint efforts to promote the development of the model, financing for SMEs, to change the concept, not the eyes limited to the use of an existing fixed asset loans and its own funds to expand its operations, logistics financial model can be used to solve the problem of financing. Logistics enterprises is no longer a the traditional logistics delivery and collection of money and other low-level work, in-transit supplies to grasp the advantages of accuracy of information, cooperation with banks and enterprises can play in the logistics and finance, its profitability is also a improved. Bank logistics and financial services to expand its scope of business to bring more revenue. Logistics Finance was able to make a profit multi-financing mode. Paper also exists shortages and to be improved, which need to be improved in future research.
引文
[1]河南省中小企业融资困境研究刘星宇河南理工大学硕士论文2011
[2]Albea, R.K. Economic Aspects of Inventory and Receivable Financing [J]. Law and Contemporary Problems,1948,13(4):566-578
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[2]Albea, R.K. Economic Aspects of Inventory and Receivable Financing [J]. Law and Contemporary Problems,1948,13(4):566-578
[3]Harold, B.F. Form and substance in field ware housing [J].Law and Contemporary Problems,1948,13(4):579-592
[4]Eisenstadt, M.A finance Company's approach to warehouse receipt loans[J].New York Certified Public Accountant,1966, (36):661-670
[5]Bamett, W.What's in a name - A brief over view of asset - based lending [J].The Secured lender,1997, 53(6):80-82.
[6]Allen, B.N., Gregory, U.F.The economics of small business finance:the roles of Private equity and debt markets in the financial growth cycle[J].Journal of Banking& Flnanee.1998, (22):613-67
[7]Rafael, R., Javier, S.Venture Capital finance:A Security design approach[J].Review of finance,2004, (8):75-108
[8]Neville, G.Inventory financing:everything you need to know but were too afraid to ask [J].The Secured Leader,2008, (2)::46 -50.
[9]John A.Buzacott, Rachel Q.Zhang.Inventory Management with Asset - Based Financing [J].Management Science,2004(24):1274 - 1292
[10]Robert E.Carpenter,Steven M, Fazzari, and Bruce C.Petersen financing constraints and Inventory investment:a comparative study with high - frequency Panel date the review of economics and statistics[J].2000, (3):513 - 519.
[11]Welsun,.Business models and solution architectures for SMB finacing in a Supply chain ecosystem[J].2004,(3):130-133.
[12]Robert E. Carpenter.Steven M.Fazzari,and Bruce C.Petersen financing constraints and inventory investment:a comparative study with high-frequency panel date,the review of economics and statistics[J].2000, (3):513-519.
[13]Coulter J,Onumah G.The role of warehouse receipt systems in enhanced commodity Marketing and rural livelihoods in Africa[J]. Food Policy,2002,(4):319-337.
[14]Berger A N Mortage default with asymmetric information[J]Journal of Finance and Economies,2000, (4):13 - 121.
[15]KuosmanenT, Post T. Measuring economic efficiency with incomplete price Information[J]. European Journal of Operational Reseach,2003, (3):454-457.
[16]陈祥锋,朱道立,现代物流金融服务创新——金融物流，物流技术[J],2005, (003):4-6
[17]刘璇,凌建平,李严锋,我国金融物流模式探析,物流科技[J],2007,(01)：5-7
[18]Wei S, Jing L I, Dong L I等, Business Models and Solution Architectures for Smb Financing in a Supply Chain Ecosystem, E-Commerce Technology for Dynamic E-Business,:the IEEE International Conference,2004
[19]王开勇,王丰,彭良涛,金融物流在国际结算中的运作模式研究,中国储运[J],2007(002)：118-120
[20]艾东,中小企业物流融资风险管理探讨,上海金融[J],2005,(012)：37-39
[21]Schwartz E, Smith J E, Short-Term Variations and Long-Term Dynamics in Commodity Prices, Management Science,2000,46 (7):893-911
[22]储雪俭,梁虹龙,对发展物流金融中信贷风险防范的思考,物流技术[J],2005,(002)：106-107
[23]唐少麟,乔婷婷,发展物流金融强化供应链整合——物流金融系列研讨之一,物流技[J]术,2006,(002)：99-102
[24]刘高勇,网络环境下企业物流与资金流的融合及其模型研究,情报科学[J],2004,22(003)：381-384
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