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银企联盟在中小企业融资担保中的作用研究
引用本文:彭宏超.银企联盟在中小企业融资担保中的作用研究[J].江西金融职工大学学报,2011,24(3):65-69.
作者姓名:彭宏超
作者单位:黄淮学院,经济管理系,河南,驻马店,463000
基金项目:2010年河南省政府决策研究招标课题"银企联盟在中小企业融资担保体系中的作用研究"的阶段性成果
摘    要:融资困难问题仍然是影响和制约我国中小企业发展的主要因素。构建银企联盟并将其引入到中小企业的信用担保体系之中,核心企业在银行为其下达的配额内作为供应链中的中小企业的担保方,由银行直接向中小企业发放贷款。这种融资模式在解决中小企业融资难的同时,带动了金融机构和供应链联盟企业的创新与发展,提高了整个供应链的竞争力,实现多方共赢。

关 键 词:供应链  中小企业  战略联盟  融资  担保

The Role Study about the Alliances Between Banks and Enterprises in SMEs Financing Guarantee
PENG Hongchao.The Role Study about the Alliances Between Banks and Enterprises in SMEs Financing Guarantee[J].Journal of Jiangxi Finance College,2011,24(3):65-69.
Authors:PENG Hongchao
Institution:PENG Hongchao(Huanghuai College,Henan 463000,China)
Abstract:Financing difficulties are still the major factors in the development of SMEs.The alliances building between banks and enterprises will be brought into SMEs financing guarantee system.Those core enterprises can become guarantors for SMEs within the quotas which banks render.The banks can make loans to SMEs directly.Together with solving SMEs financing difficulties,this kind of financing mode can promote the innovation and development of the alliances between financial institutions and enterprises within their supply chain in order to improve the competitiveness of the entire supply chain to achieve a win-win situation.
Keywords:supply chain  SMEs  strategic alliances  financing  guarantee
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