供应链金融与银行借贷影响中小企业融资绩效的对比研究
发布时间：2018-10-30 14:45
【摘要】：采用嵌入式多案例研究方法,以3家互联网电商平台企业以及与其合作的商业银行为例,从信息获取、结构要求和流程控制等方面,探究供应链金融和传统银行借贷对中小企业融资绩效影响的差异。研究发现,相对于传统银行借贷而言,供应链金融通过获取交易信息和交易信用,利用关系嵌入与业务闭合,采取贷后结果控制和过程控制相结合等手段,能够有效降低事前与事后的信息不对称,从而提高中小企业融资可得性,降低融资成本,最终提升其融资绩效。
[Abstract]:Using embedded multi-case study method, taking three Internet e-commerce platform enterprises and the commercial banks that cooperate with them as examples, from the aspects of information acquisition, structure requirements and process control, etc. To explore the differences between supply chain finance and traditional bank lending on SME financing performance. Compared with traditional bank lending, supply chain finance obtains transaction information and transaction credit, makes use of relationship embedding and business closure, and adopts combination of post-loan result control and process control. It can effectively reduce the information asymmetry before and after, thus improving the financing availability of SMEs, reducing the financing costs, and ultimately improving their financing performance.
【作者单位】： 中国人民大学商学院;
【基金】：国家自然科学基金资助重点项目(71232011);国家自然科学基金资助项目(71272155)
【分类号】：F275;F276.3;F832.4
[Abstract]:Using embedded multi-case study method, taking three Internet e-commerce platform enterprises and the commercial banks that cooperate with them as examples, from the aspects of information acquisition, structure requirements and process control, etc. To explore the differences between supply chain finance and traditional bank lending on SME financing performance. Compared with traditional bank lending, supply chain finance obtains transaction information and transaction credit, makes use of relationship embedding and business closure, and adopts combination of post-loan result control and process control. It can effectively reduce the information asymmetry before and after, thus improving the financing availability of SMEs, reducing the financing costs, and ultimately improving their financing performance.
【作者单位】： 中国人民大学商学院;
【基金】：国家自然科学基金资助重点项目(71232011);国家自然科学基金资助项目(71272155)
【分类号】：F275;F276.3;F832.4
【相似文献】
相关期刊论文 前10条
1 徐学锋;夏建新;;关于我国供应链金融创新发展的若干问题[J];上海金融;2010年03期
2 赵可满;;供应链金融:面向产业经济的金融创新[J];中国邮政;2010年05期
3 计志英;;供应链金融:概念、研究进展与发展优势[J];金融经济;2010年12期
4 郝建彤;;中国供应链金融风险及其防范对策[J];中国商贸;2010年26期
5 朱琳;;供应链金融探析[J];现代商贸工业;2011年02期
6 李珂;赵丽娜;;对我国供应链金融及其应用案例的分析[J];中国外资;2011年04期
7 曾小燕;;我国供应链金融发展研究[J];当代经济;2012年01期
8 刘苗苗;;供应链金融理论和融资模式的发展演进研究[J];商品与质量;2012年S2期
9 李Z，
本文编号：2300298
本文链接：https://www.wllwen.com/guanlilunwen/jixiaoguanli/2300298.html
