广东中小企业物流金融创新模式探析.DOC

摘要:中小企业作为我国国民经济中不可或缺的部分，是我国国民经济中最具活跃的部分。中小企业在增加国家税收收入、吸收就业、活跃市场方面有着重要的作用，是保证经济又快又好增长的主要动力。在广东，中小企业在我省的企业中占90%以上。然而资金问题又是中小企业赖以生存的重要因素，资金周转是企业生产、流通的生命线。广东中小企业长期面临着融资问题的困扰，也是制约中小企业发展的重要原因。物流金融在解决广东中小企业融资问题中扮演了崭新的角色，本文就物流金融在广东中小企业中的运作模式为背景，探讨物流金融在中小企业运作模式，寻求出广东物流金融的创新及未来发展。

关键字：物流金融；融资；运作模式；池融资；联保融资

Abstract:Small and medium-sized enterprises as an integral part of our national economy, is the most active part of China's national economy. The SMEs increase state tax revenues to absorb employment, active market plays an important role, is the main driving force to ensure the rapid and healthy economic growth. In Guangdong, SMEs accounted for more than 90% of the enterprise. Funding problems, however, is an important factor of the survival of small and medium enterprises, cash flow is the production, circulation lifeline. SMEs in Guangdong long-term financing problems facing troubled, is also an important reason for restricting the development of SMEs in Guangdong. The logistics finance a new role to play in resolving the financing problems of SMEs in Guangdong as a background paper on the mode of operation of logistics finance small and medium enterprises in Guangdong to explore the logistics financial the SME mode of operation, seeking innovation and the future development of Guangdong 's logistics and financial .

Keywords: Logistics Finance ; Financing ; Mode of operation ; Pooling ; UNPROFOR financing

　　　本文通过基本条件下物流金融的发展，对于物流金融的融资途径和方法进行研究。根据广东地区性的超强特性进行分析，总结出最新的物流金融模式：第一，联保融资，即多家中小企业相互协作结成联合体，运用联保基金；第二，池金融，即中小企业将小额分散的应收账款打包成应收账款余额“池”，并将其转让给银行，收取一定比例资金的融资。

　　　引入物流金融的概念，不仅能够繁荣中小企业发展，也能为其自身的融资问题提出新的思路，相信物流金融将成为广东金融业改革的一个新模式与物流业蓬勃发展的不竭动力。