文献类型：期刊文献

中文题名：供应链金融:应收账款融资逆向选择的解决方案

英文题名：Supply chain finance:Solution of adverse selection of accounts receivable financing

作者：刘桂荣[1]

机构：[1]华东理工大学商学院,200237

年份：2012

卷号：24

期号：10

起止页码：59

中文期刊名：上海经济研究

外文期刊名：Shanghai Journal of Economics

收录：人大复印报刊资料;CSTPCD;;北大核心:【北大核心2011】；CSSCI:【CSSCI2012_2013】；

基金：上海市教委国内访问学者计划项目的资助

语种：中文

中文关键词：供应链金融;应收账款融资;逆向选择

外文关键词：Supply chain finance; Accounts receivable financing; Adverse selection

摘要：随着《物权法》的颁布实施和《应收账款质押登记办法》的运行,我国中小企业以应收账款抵押融资具有了法律层面的保障,但应收账款抵押融资存在逆向选择的风险。本文分析了应收账款抵押融资的模式及其特点,并指出了应收帐款融资存在逆向选择的原因,提出了供应链金融是解决应收账款融资逆向选择的有效方法。这为我国商业银行开展中小企业应收帐款抵押贷款业务提供了实践参考。
The enactment of Property Law and Public Way of Accounts Receivable Mortgage provides SMEs with law guarantee in accounts receivable financing. Banks take a risk in the adverse selection of accounts receivable financing. This paper analyzes the pattern of mortgage financing receivables and its characteristics, elaborates the reasons of practicing the adverse selection of accounts receivable financing. Study indicates supply chain finance should be a most efficient method of solving adverse selection of accounts receivable financing. This provides a practical reference for China＇s commercial banks to develop SMEs Receivables mortgage business.