供应链金融视角下新能源汽车制造业信用风险传导及防范

• 作者： 杨佳 ¹
• 作者单位：
  1.  长沙理工大学经济与管理学院
• 提交时间：2024-09-23

摘要: 供应链金融作为中小企业融资的重要途径，能够帮助企业缓解融资困难，但同时存在的信用风险不容忽视。本文通过分析供应链金融视角下新能源汽车制造业中供应链金融的三种融资模式，结合新能源汽车制造业的发展特点，总结不同模式下信用风险的来源，从直接业务关系和间接关系两个角度探讨供应链金融中信用风险的传导机制，并提出提高中小企业风险抵御能力、提高核心企业贷款担保能力、提高三方平台信息共享能力、提高物流企业质押物管理能力、深化金融机构信用风险监管能力的防范建议，进而促进供应链金融健康发展。

Abstract: Supply chain finance, as an important means of financing for small and medium-sized enterprises, can help enterprises alleviate their fi nancing diffi culties, but the credit risks that exist in this process cannot be ignored. By analyzing the three fi nancing models of supply chain fi nance in the new energy vehicle manufacturing industry from the perspective of supply chain fi nance and taking into account the development characteristics of the new energy vehicle manufacturing industry, this paper will summarize the credit risk sources under diff erent models; explore the transmission mechanism of credit risk in supply chain fi nance from the perspectives of both direct and indirect business relationships, and propose risk prevention suggestions to strengthen the risk resistance ability of small and medium-sized enterprises, enhance the loan guarantee ability of core enterprises, promote the information sharing ability of third-party platforms, improve the collateral management ability of logistics companies, and further consolidate the credit risk supervision ability of financial institutions, thereby promoting the healthy development of supply chain fi nance.

• 分类： 应用经济学 >> 金融学
• 稿件状态： 已在期刊出版
期刊名称： 《中国商论》 2024年 第9期
• 引用： PSSXiv:202410.00347 (或此版本 PSSXiv:202410.00347V1)
  DOI:10.19699/j.cnki.issn2096-0298.2024.09.115
  CSTR:32012.36.PSSXiv202410.00347
• 推荐引用方式： 杨佳.供应链金融视角下新能源汽车制造业信用风险传导及防范.中国商论,2024(9).[DOI:10.19699/j.cnki.issn2096-0298.2024.09.115] (点此复制)