摘要
供应链金融模式改变了过去银行等金融机构对单一企业主体的授信模式,充分利用了产业供应链结构特点及对商品交易细节的把握,围绕核心企业对其供应链上的中小企业提供金融支持。本文从供应链金融的内涵出发,对链条上的构成要素及三大主要融资模式进行分析。从商业银行的角度揭示了供应链金融的优势,并对商业银行继续开展该项业务提出建议,以期在提高商业银行经营利润的同时,能更好地解决中小企业融资难的问题。
Supply Chain Finance Model has become an effective way to solve the financing difficulties of SMEs, which changes the credit mode that banks and other financial institutions to a single enterprise in the past. It takes full advantage of the industrial structure of the supply chain and grasps the details of the transaction. It provides financial support to SMEs in the supply chain around the core enterprise. Start with analysing the content and constituent elements of the Supply Chain Finance, this paper makes research on three basic financing model of Supply Chain Finance. And then we reveal the advantage of this model from the perspective of commercial banks, and makes detailed recommendations to commercial banks, with a view to improving the operating profit, meanwhile solving the issue of SME financing difficulties.
出处
《特区经济》
北大核心
2010年第1期295-297,共3页
Special Zone Economy
关键词
供应链金融
商业银行
中小企业
Supply Chain Finance
Commercial Bank
Small and Medium-sized Enterprise