供应链金融模式下的银行贷款风险分析——基于认知视角-analysis of bank loan risk under supply chain finance mode - based on cognitive perspective.docx

摘要中小企业对经济发展社会稳定贡献巨大。国家对中小企业的扶持政策不断加 强，然而中小企业融资困难始终存在。大型客户对银行的贡献度逐步下降，金融 脱媒使得银行的传统业务日渐萎缩，监管制度环境的变化等对银行的创新和适应 性变革提出了要求，积极拓展中小企业融资业务，是银行长远发展的战略选择。近年来快速发展的供应链金融模式有效缓解了中小企业资金需求，供应链金 融提供了缓解信息不对称的新渠道。认知是一个信息加工的过程。本论文以改进 认知作为研究切入点，借助供应链从四个方面来改进对中小企业的认知，探讨改 进认知后对降低银行贷款风险的影响。本论文首要任务是围绕“改进认知对降低银行贷款风险的影响”而展开，用 四个中间变量（核心企业参与、交易频率、规模、地位）来调节改进认知的条件， 提出四个研究假设，将概念框架转换成可测量变量，设计调查问卷。本论文数据分析采用结构方程模型，根据研究假设建立结构方程模型。收集 了 223 份问卷数据，运用 SPSS16.0 统计软件对调查问卷进行信度效度分析和因 子分析判断测量模型的有效性。应用 AMOS17.0 统计软件进行分析得出结构模 型，考察四个中间变量与因变量（降低银行贷款风险）的关系，验证研究假设。通过实证分析，研究假设得到了有力的验证，得出以下结果：（1）供应链中核心企业是否参与，将影响银行对中小企业认知，进而影响 银行贷款风险，且核心企业参与程度越高，反映中小企业越可信，银行贷款风险 降低得越多。（2）供应链中中小企业交易频率，将影响银行对中小企业认知，进而影响 银行贷款风险，交易频率越高，反映中小企业越可信，银行贷款风险降低得越多。（3）供应链中中小企业规模，将影响银行对中小企业认知，进而影响银行 贷款风险，且规模越大，反映中小企业越可信，银行贷款风险降低得越多。（4）供应链中中小企业地位，将影响银行对中小企业认知，进而影响银行 贷款风险，且地位越重要，反映中小企业越可信，银行贷款风险降低得越多。关键词：供应链金融；认知；核心企业参与；交易频率；规模；地位；贷款风险AbstractThe small and medium-sized enterprises in our country have great contribute to the development of the national economy and social stability. In recent years, the small and medium-sized enterprise widespread financing plight, though, the supporting policies of the state for the small and medium-sized enterprises constantly improve, however the small and medium-sized enterprise financing difficult always there. Large customers contribute to the banks decline gradually, financial disintermediation has made bank of traditional business shrinking, regulatory regime for banks such as the change of the environment of innovation and adaptability to changes proposed requirements, actively expand financing business for the small and medium-sized enterprises, is that the banks for the long-term development of strategic choice.In recent years，the rapid development of the supply chain financial modeleffectively relieve the small and medium-sized enterprise capital demand, supply chain finance provides a new channel relieve information asymmetry. Perception is a process of information processing. As a research entry point to