供应链金融在企业营运资金筹集中的应用

Application of Supply Chain Finance in Operation Financing

供应链金融作为一种创新的融资模式应运而生,为企业提供了更多获得金融机构营运资金支持的机会。目前,从供应链金融的视角看,我国企业存在着库存现金管理不科学、商业信用利用不充分、存货缺乏有效控制、应收账款回收缓慢等现实问题。企业在营运资金筹集中应用供应链金融,需要注意信用缺失、自我评价过高、质押物选择等方面问题,应通过金融资本与实体经济的协作,构筑银行、企业之间的互利共存,以达到降低整个供应链运作成本,持续发展的产业生态,有效缓解资金短缺问题的目的。

As an innovative financing model,supply chain finance offers more opportunities to gain operation funds from financial institutions for enterprises.From the viewpoint of supply chain finance,Chinese enterprises are not scientific in vault cash management,insufficient commercial utility,lack of effect control on inventory,and slow in receivables.The enterprises should pay attention to credit loss,high self-evaluation,and choice of loan pledge in raising operation funds,and establish mutual benefits between banks and enterprises by cooperation of financial capitals and real economy to reduce the operation cost of the whole supply chain,to sustain the industrial ecology,and to relieve the fund shortage effectively.