摘要
应收账款融资被视为破解小微企业流动性困境的有效方法,"湖北东贝模式"是该方法的积极践行,该模式自2018年以来取得了积极的社会效益和经济效益,然而,该模式在后续推广过程中面临一定的困境.本文经社会调研分析了核心企业、小微企业、金融机构、政府层面存在的问题,并针对调研发现推广中存在的问题,从信用体系、风险防控、供应链生态、小微企业财务管理、激励约束机制等方面提出了对策建议.
Abstract
Accounts receivable financing is regarded as an effective method to solve the liquidity dilemma of small and micro enterprises,and the"Hubei Dongbei Model"is an active practice of this method,which has achieved positive social and economic benefits since 2018.However,there are certain difficulties in the follow-up promotion process of this model,and the problems existing at the level of core enterprises,small and micro enterprises,financial institutions and governments have been analyzed through social research.In view of the problems found in the promotion of the survey,countermeasures and suggestions were put for-ward from the aspects of credit system,risk prevention and control,supply chain ecology,financial manage-ment of small and micro enterprises,and incentive and restraint mechanism.
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