南华大学学报（社会科学版）
南華大學學報（社會科學版）
남화대학학보（사회과학판）
Journal of University of South China (Social Science Edition)
2015年
5期
58-62
,共5页
供应链金融%应收账款融资%博弈模型
供應鏈金融%應收賬款融資%博弈模型
공응련금융%응수장관융자%박혁모형
supply chain finance%accounts receivable financing%game model
融资难问题始终是制约中小企业发展的关键所在，供应链金融的出现，为解决中小企业的融资难问题提供了一条新途径。文章通过建立供应链金融应收账款融资模式下银企博弈模型，分析银行、核心企业和中小企业三者之间的相互关系，得出：在供应链金融应收账款融资模式中，核心企业的信用状况对中小企业的应收账款融资起着决定性的作用，当违约成本足够大时，核心企业与中小企业都会选择守约，从而实现三方共赢。
融資難問題始終是製約中小企業髮展的關鍵所在，供應鏈金融的齣現，為解決中小企業的融資難問題提供瞭一條新途徑。文章通過建立供應鏈金融應收賬款融資模式下銀企博弈模型，分析銀行、覈心企業和中小企業三者之間的相互關繫，得齣：在供應鏈金融應收賬款融資模式中，覈心企業的信用狀況對中小企業的應收賬款融資起著決定性的作用，噹違約成本足夠大時，覈心企業與中小企業都會選擇守約，從而實現三方共贏。
융자난문제시종시제약중소기업발전적관건소재，공응련금융적출현，위해결중소기업적융자난문제제공료일조신도경。문장통과건립공응련금융응수장관융자모식하은기박혁모형，분석은행、핵심기업화중소기업삼자지간적상호관계，득출：재공응련금융응수장관융자모식중，핵심기업적신용상황대중소기업적응수장관융자기착결정성적작용，당위약성본족구대시，핵심기업여중소기업도회선택수약，종이실현삼방공영。
The financing difficulty is always the key to restricting the development of SMES. The appearance of supply chain fi-nance provides a new way to solve the problem of financing difficulties of SMES. In this paper, it analyzes the relationship between banks,core enterprise and SMES through establishing banking game model in the supply chain financial accounts receivable financing. It concludes that:in the supply chain finance accounts receivable financing mode, the credit conditions of the core enterprises play a decisive role in the accounts receivable financing of SMES. When the cost of default is large enough, the core enterprise and SMES will choose compliance to achieve tripartite win-win situation.
