【正文】 （ 2）申請貸款 圖 2 本地倉儲質(zhì)押模式的操作流程 注： 操作流程說明 ： 1） 南棟公司與德邦物流簽訂《倉儲協(xié)議》，將貨物送入德邦物流的倉庫， 倉庫審核確認(rèn)接收后，開具倉單； 2） 南 棟公司憑借該倉單向銀行申請貸款，銀行對倉單進(jìn)行審核； 3） 南棟公司、銀行和德邦物流協(xié)商簽署《倉單質(zhì)押貸款三方合作協(xié)議書》，倉單出質(zhì)背書登記交付銀行；德邦物流與銀行簽訂《不可撤銷的協(xié)助銀行行使質(zhì)押權(quán)保證書》，確定雙方在合作中各自履行的責(zé)任，銀行與南棟公司簽訂《賬戶監(jiān)管協(xié)議》； 4） 銀行按貨物價值的一定比例向南棟公司發(fā)放貸款； 德邦物流公司 銀行 南棟機(jī)械公司 13 5） 融資過程中，德邦物流負(fù)責(zé)監(jiān)管貨物，接收銀行的出庫指令； 6） 德邦物流確定出庫指令無誤后，安排貨物出庫； 7） 貸款完全回收，銀行接觸倉單質(zhì)押，并將倉單歸還南棟公司； 8） 若南棟公司違約，銀行則下達(dá)處置指令給倉 庫； 9） 倉庫接收到處置指令后，對質(zhì)押的貨物進(jìn)行拍賣或回購。 據(jù)了解，南棟機(jī)械公司的業(yè)務(wù)已經(jīng)擴(kuò)展到珠三角以及江浙一帶，因此，南棟機(jī)械公司可運(yùn)用異地倉儲監(jiān)管模式進(jìn)行融資。這種模式要求第三方物流企業(yè)充分利用遍布全國的倉儲網(wǎng)絡(luò) ，整合社會倉庫資 源，甚至是客戶自身的倉庫 ，德邦物流公司具備了實(shí)施操作的各項條件 。 其具體操作如圖 3 所示： 14 （ 5）償還貸款 （ 1）質(zhì)押貨物 （ 3）倉單質(zhì)押 （ 2）監(jiān)管 （ 4） 發(fā)放貸款 圖 3 異地倉儲監(jiān)管模式 注： 具體操作流程與本地倉儲質(zhì)押模式類似 2. 保兌倉模式 保兌倉模式是純粹的原材料倉單質(zhì)押融資模式，該模式的特點(diǎn)是先票后貨，南棟機(jī)械公司先獲得貸款采購原材料，然后將采購的原材料交付給德邦物流公司倉儲做質(zhì)押。融資期間，原材料供應(yīng)商 —— 榮興機(jī)電 公司承擔(dān)回購義務(wù)。 （三） 銷售鏈融資 銷售鏈融資包括應(yīng) 收賬款抵押融資、應(yīng)收賬款賣斷性融資、應(yīng)收銀行 倉庫 南棟機(jī)械公司 供應(yīng)商 — 榮興機(jī)電 公司 （9）保證金 （13）放貸 （7）發(fā)貸 （11）出貸 （15）回購 16 賬款證券化融資，其中，應(yīng)收賬款賣斷性融資適用于國際業(yè)務(wù)，而南棟機(jī)械公司目前尚無國際業(yè)務(wù)；此外，目前公司也不具備進(jìn)行應(yīng)收賬款證券化融資的條件，因此，在銷售鏈融資這一模塊，將著重介紹應(yīng)收賬款抵押融資方式。 南棟機(jī)械公司 利用 該種方式融資時，要事先將公司的 應(yīng)收賬款清單、債務(wù)人名稱、交易內(nèi)容、債券金額、債權(quán)證明文件等有關(guān)資料如實(shí)送交金融部門，由金融部門審定哪些應(yīng)收賬款可以作為抵押擔(dān)保品。在這種融資方式下，金融部門作為資金提供方不承擔(dān)任何可能出現(xiàn)的拖欠和違約損失。公司 以該方式取得的借款一般為應(yīng)收賬款賬面數(shù)額 50%~80%，具體比例視企業(yè)的信用狀況和應(yīng)收賬款的賬齡等因素而定。 18 文獻(xiàn) 參考 [1]杜航、李金焰、劉繼海 . 基于供應(yīng)鏈金融的中小企業(yè)融資博弈研究 [J]. 中國商貿(mào) ,:115118 [2]左銓 . 基于供應(yīng)鏈模式下的中小企業(yè)融資模式的創(chuàng)新研究 [J], 經(jīng)濟(jì)論叢 ,2022:208 [3]秦政強(qiáng)、吳松強(qiáng) . 基于價值鏈的中小企業(yè)融資模式 [J], 合作經(jīng)濟(jì)與科技 ,:4243 [4]張帷 . 論拓寬中小企業(yè)融資渠道的幾種方式 [J], 時代金融 ,2022(4):112113 [5]程安玲 . 淺議中小企業(yè)融資渠道 [J], 公用事業(yè)財會 , 2022:5758 [6]李向東 . 提高我國中小企業(yè)融資途徑的分析 [N],企業(yè)導(dǎo)報 ,2022(6):3435 [7]嚴(yán)瑜筱 . 拓寬中小企業(yè)融資渠道探討 [J], 時代金融 ,2022(4):119120 [8]張曉 弟 . 我國中小企業(yè)融資問題的探討 [J], 現(xiàn)代會計 ,2022(4):4044 [9]吳穎群 . 物流金融解決中小企業(yè)融資難的有效途徑 [J], 經(jīng)濟(jì)研究 ,2022(1):3032 [10]高峰 . 中小企業(yè)融資對策模型研究 [J], 經(jīng)濟(jì)研究 , 2022(5):5355 [11]時超 . 中小企業(yè)融資難的破解之道 [J],領(lǐng)導(dǎo)之友 ,2022(5):3435 [12]李付梅 . 中小企業(yè)融資租賃研究 [J], 決策參考 ,2022(2):267269 [13]張朝元、梁雨 . 中小企業(yè)融資渠道 [M]. 北京 :機(jī)械工業(yè)出 版社 , [14]藍(lán)裕平 . 融資策劃實(shí)務(wù) [M]. 廣州 :廣東經(jīng)濟(jì)出版社 , [15]陳曉紅、陳建中 . 中小企業(yè)供應(yīng)鏈融資 [M]. 北京 :經(jīng)濟(jì)科學(xué)出版社 , 19 為你提供優(yōu)秀的畢業(yè)論文參考資料，請您刪除以下內(nèi)容， O(∩_∩)O謝謝！?。?2 Many people have the same mixed feelings when planning a trip during Golden Week. With heaps of time, the sevenday Chinese 為你提供優(yōu)秀的畢業(yè)論文設(shè)計參考資料，請您刪除一下內(nèi)容， O(∩_∩)O謝謝！??！ National Day holiday could be the best occasion to enjoy a destination. However, it can also be the easiest way to ruin how you feel about a place and you may bee more fatigued after the holiday, due to battling the large crowds. During peak season, a dream about a place can turn to nightmare without careful planning, especially if you travel with children and older people. As most Chinese people will take the holiday to visit domestic tourist destinations, crowds and busy traffic are inevitable at most places. Also to be expected are increasing transport and acmodation prices, with the possibility that there will be no rooms available. It is also mon that you39。s largest virgin forest, and known for its spring and ecological environment, Arxan is marveled at by many tourists as the purest land on earth. You cannot miss out the Autumn of Arxan. It is definitely the best with brightlycolored scenery full of emotions. Autumn in the northern part of the country es earlier than the South. A September rain followed by the footprints of Autumn brings more colors to the once emerald green mountain and blooming grassland. Shutterbugs flock to see for themselves the marvel of splendid colors around the mountains and waters, many of whom have travel a long distance and even camp here only to capture a moment of the nature wonder. The silver birch turns golden, while the larch is still proudly green. You will find yourself drowned in the intoxicating red of the wild fruits as well as the glamour of flowers in full blown. And your heart will be lingering on the woods as it39。s misery, the cow told him to turn its hide into a pair of shoes after it died. The magic shoes whisked Niulang, who carried his two children in baskets strung from a shoulder pole, off on a chase after the empress. The pursuit enraged the empress, who took her hairpin and slashed it across the sky creating the Milky Way which separated husband from wife. But all was not lost as magpies, moved by their love and devotion, formed a bridge across the Milky Way to reunite the family. Even the Jade Emperor was touched, and allowed Niulang and Zhinu to meet once a year on the seventh night of the seventh month. This is how Qixi came to be. The festival can be traced back to the Han Dynasty (206 BCAD 220). Traditionally, people would look up at the sky and find a bright star in the constellation Aquila as well as the star Vega, which are identified as Niulang and Zhinu. The two stars shine on opposite sides of the Milky Way. Customs In bygone days, Qixi was not only a special day for lovers, but also for girls. It is also known as the Begging for Skills Festival or Daughters39。s Day on February 14, characterized by bouquets of roses, chocolates and romantic candlelight dinners, than they do about their homegrown day for lovers. Even Qixi is