基于供应链金融的中小企业预付账款融资研究摘要中小企业在我国经济地位高，可以增长经济、增加税收、增加工作岗位。但是中小企业现在融资困难，拖了中小企业的发展的后腿，融资难使中小企业需要解决的首要问题。这几年，国内商业银行推出的供应链金融服务方案,帮中小企业解决了融资难的问题,同时提升了供应链的稳定性及整体价值，让经济业界和学术界都重视起来。中小企业融资渠道单一，融资成本高昂，银行贷款困难，都使其融资困难。融资难已经阻碍了中小企业的持续发展。中小企业融资难为切点,引出供应链金融，但重点研究的是预付账款融资模式下的中小企业融资。中小企业在我国无论是税收方面还是就业以及其他方面都很重要，融资难阻碍了中小企业生存成长。所以为了解决融资难，无论是国家政府部门，还是经济学者或企业自身都在寻找对策。供应链金融是近几年新出的解决对策。关键词：供应链金融，中小企业，预付账款，融资Smallandmedium-sizedenterprisesbasedonsupplychainfinancefinancingresearchadvancepaymentABSTRACTSmallandmedium-sizedenterprisesinourcountry'shigheconomicstatus,canincreaseeconomy,raisetaxesandincreasejobs.Butsmallandmedium-sizedenterprisefinancingdifficultnow,dragthedevelopmentofsmallandmedium-sizedenterprises,financingdifficultiestomakethistheprimeproblemofthesmallandmedium-sizedenterprisesneedtosolve.Inrecentyears,domesticcommercialBankstolaunchaservicesupplychainfinancesolutions,tohelpsolvetheproblemofthefinancingdifficultiesofsmallandmedium-sizedenterprises,enhancethestabilityofthesupplychainandvalueatthesametime,maketheeconomyintheindustryandacademia.Thesinglefinancingchannel,thehighcostoffinancing,bankloansdifficult,makeitsfinancingdifficulties.Financingdifficultieshavehinderedthesustainabledevelopmentofsmallandmedium-sizedenterprises.Smallandmedium-sizedenterprisefinancingdifficulttotangentpoint,whichleadstothesupplychainfinance,butthefocusisthestudyoftheadvancepaymentfinancingmodeofsmallandmedium-sizedenterprisefinancing.Smallandmedium-sizedenterprisesinourcountry,bothtaxesandemploymentandotheraspectsareimportant,financingdifficultieshamperingthegrowthofsmallandmedium-sizedenterprisessurvive.So,inordertosolvethefinancingdifficulties,nationalgovernmentagencies,oreconomicscholarsandenterpriseitselfislookingforcountermeasures.Supplychainfinanceisnewsolutionsinrecentyears.KEYWORDS：supplychainfinance,smallandmedium-sizedenterprises,theadvancepaymentandfinancing目录1绪论..............................................................11.1研究目的及意义..............................................11.1.1研究的目的.............................................11.1.2研究的意义.............................................11.2国内外研究现状..............................................11.2.1国外研究动态...........................................11.2.2国内研究动态...........................................21.3主要研究内容、方法与创新....................................31.3.1主要研究内容...........................................31.3.2研究方法和创新之处.....................................42中小企业融资现状及存在的问题......................................52.1中小企业发展现状............................................52.2中小企业融资现状............................................52.2.1中小企业融资状况有所改善...............................52.2.2中小企业融资方式多元化.................................62.2.3融资难的情况仍然严重...................................62.3中小企业融资难成因..........................................62.3....
