科技与经济
科技與經濟
과기여경제
SCIENCE & TECHNOLOGY AND ECONOMY
2013年
5期
61-65
,共5页
层次分析法%供应链金融%贷款定价%中小企业融资
層次分析法%供應鏈金融%貸款定價%中小企業融資
층차분석법%공응련금융%대관정개%중소기업융자
analytic hierarchy process%supply chain finance%loan pricing%small and medium-sized enterprise financing
中小企业在增加就业机会、维持社会稳定和国民经济健康发展等方面起着难以替代的重要作用。然而，融资难问题一直是制约中小企业健康发展的难题。供应链金融这种金融创新融资模式的出现，为解决中小企业融资难问题带来了新的思路。采用层次分析法，通过建立传统与供应链金融两种融资模式下的综合评价体系，经过对比分析，论证了在供应链金融融资模式下，中小企业的信用得到扩大，信贷资格得到提升，在一定程度上缓解了中小企业融资难问题。
中小企業在增加就業機會、維持社會穩定和國民經濟健康髮展等方麵起著難以替代的重要作用。然而，融資難問題一直是製約中小企業健康髮展的難題。供應鏈金融這種金融創新融資模式的齣現，為解決中小企業融資難問題帶來瞭新的思路。採用層次分析法，通過建立傳統與供應鏈金融兩種融資模式下的綜閤評價體繫，經過對比分析，論證瞭在供應鏈金融融資模式下，中小企業的信用得到擴大，信貸資格得到提升，在一定程度上緩解瞭中小企業融資難問題。
중소기업재증가취업궤회、유지사회은정화국민경제건강발전등방면기착난이체대적중요작용。연이，융자난문제일직시제약중소기업건강발전적난제。공응련금융저충금융창신융자모식적출현，위해결중소기업융자난문제대래료신적사로。채용층차분석법，통과건립전통여공응련금융량충융자모식하적종합평개체계，경과대비분석，론증료재공응련금융융자모식하，중소기업적신용득도확대，신대자격득도제승，재일정정도상완해료중소기업융자난문제。
Small and medium-sized enterprises play an important irreplaceable role in promoting employment,maintaining social stability and healthy development of national economy. However,the difficulties in financing have been restricting the healthy develop-ment of small and medium-sized enterprises. The creative financing mode of supply chain finance brings us the new ideas to solve the difficulties in financing of the small and medium-sized enterprises. The comprehensive evaluation systems of both traditional finance and supply chain finance are formed based on Analytic Hierarchy Process. Through comparative study,this paper demonstrates that the credit of some small and medium-sized enterprise gets to expand and the qualification of which gets promoted in supply chain financial conditions. To a certain extent,it solves the difficulties in financing of the small and medium-sized enterprises.
