摘 要
供应链金融作为一种创新的金融服务模式，在缓解中小企业融资难问题方面具有重要意义。随着全球经济一体化进程加快，中小企业在经济发展中扮演着越来越重要的角色，但其面临的融资困境也日益凸显，传统融资渠道难以满足其需求，而供应链金融通过整合供应链上的物流、信息流和资金流，为中小企业提供了新的融资途径。本研究旨在探讨供应链金融在中小企业融资中的应用及其面临的挑战，基于此构建理论框架并提出解决方案。采用文献研究法梳理相关理论基础与国内外研究成果，运用案例分析法选取典型企业进行深入剖析，同时借助问卷调查收集大量一手数据以确保研究结论的科学性。研究表明，供应链金融能够有效降低中小企业的融资门槛，提高融资效率，优化资金配置，但也存在风险控制难度大、信用体系不完善等问题。创新点在于从供应链整体视角出发，将核心企业纳入考量范围，强调其在风险分担与信用传递中的关键作用，并提出构建多方协同机制以应对现存挑战，为促进中小企业健康发展提供新思路。
关键词：供应链金融；中小企业融资；风险控制；信用体系；多方协同机制
Abstract
Supply chain finance, as an innovative financial service model, plays a significant role in alleviating the financing difficulties faced by small and medium-sized enterprises (SMEs). As the process of global economic integration accelerates, SMEs are assuming increasingly important roles in economic development; however, their financing challenges have become more pronounced. Traditional financing channels often fail to meet their needs. Supply chain finance addresses this gap by integrating logistics, information flows, and capital flows within the supply chain, thereby providing new financing avenues for SMEs. This study aims to explore the application of supply chain finance in SME financing and the challenges it faces, constructing a theoretical fr amework and proposing solutions accordingly. Through literature review, The research demonstrates that supply chain finance can effectively lower the financing threshold for SMEs, enhance financing efficiency, and optimize capital allocation. However, issues such as the difficulty of risk control and an incomplete credit system remain. The innovation of this study lies in its holistic perspective on the supply chain, incorporating core enterprises into consideration and emphasizing their crucial role in risk sharing and credit transmission. It proposes the establishment of a multi-party collaborative mechanism to address existing challenges, offering new insights for promoting the healthy development of SMEs.This study aims to explore the application of supply chain finance in SME financing and the challenges it faces, constructing a theoretical fr amework and proposing solutions accordingly. Through literature review, we examine relevant theoretical foundations and research findings both domestically and internationally. Case study analysis is employed to conduct in-depth examinations of typical enterprises, while surveys collect extensive primary data to ensure the scientific validity of the research conclusions. The research demonstrates that supply chain finance can effectively lower the financing threshold for SMEs, enhance financing efficiency, and optimize capital allocation. However, issues such as the difficulty of risk control and an incomplete credit system remain. The innovation of this study lies in its holistic perspective on the supply chain, incorporating core enterprises into consideration and emphasizing their crucial role in risk sharing and credit transmission. It proposes the establishment of a multi-party collaborative mechanism to address existing challenges, offering new insights for promoting the healthy development of SMEs.
Keywords：Supply Chain Finance；Small And Medium-Sized Enterprises Financing；Risk Control；Credit System；Multi-Party Collaboration Mechanism
目 录
摘 要 I
Abstract II
引 言 1
第一章 供应链金融的理论基础与中小企业融资需求 2
1.1 供应链金融的基本概念 2
1.2 中小企业的融资特点 2
1.3 供应链金融对中小企业的意义 3
第二章 供应链金融在中小企业融资中的应用模式 5
2.1 应收账款融资模式 5
2.2 存货质押融资模式 5
2.3 预付款融资模式 6
第三章 供应链金融助力中小企业融资的优势分析 8
3.1 提升融资可获得性 8
3.2 降低融资成本 8
3.3 增强风险管理能力 9
第四章 供应链金融在中小企业融资中面临的挑战 10
4.1 信息不对称问题 10
4.2 信用风险评估难题 10
4.3 法律法规与政策环境 11
结 论 13
参考文献 14
致 谢 15
