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Small and Medium-Size Enterprise Owner Strategies for Invoice Factoring FinancingNabawanda, Winniefred 01 January 2018 (has links)
Small and medium-sized enterprise (SME) business owners influence the growth and development of sub-Saharan Africa and the welfare of its citizens. However, SME owners often lack the strategies to access and obtain invoice factoring financing to fund their businesses. Guided by the pecking order theory and the credit rationing theory, the purpose of this multiple case study was to explore strategies that 3 SME owners in Kenya used to access and obtain invoice factoring financing to fund their businesses. Data were collected from in-depth semistructured Skype interviews and organizational documents. Data were analyzed using the Krippendorff content analysis methodology. Member checking was used to validate the interview responses and enhance the credibility of results. Three strategy themes emerged from data analysis: proper documentation, effective third-party relationships, and connections with government officials. The study may contribute to positive social change for SME owners in sub-Saharan Africa by providing actionable strategies they can use to access and obtain invoice factoring financing to fund and sustain their businesses. Citizens of Kenya may experience more job opportunities, improved quality of life, increased household incomes, and sustained economic growth.
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供應鏈金融對核心企業供應商之財務影響-以鴻海富金通為例 / Financial Impact of Supply Chain Finance on Core Enterprise Suppliers: A case study of FnConn Financial (Hon Hai / Foxconn Technology Group)胡碩勻, Hu, Shuo Yun Unknown Date (has links)
隨著科技進步,金融已突破傳統金融模式框架,各個產業都能透過新的金融模式,提供相關服務,提升產業內的財務效率。晚近發展的供應鏈金融(Supply Chain Finance, SCF)就是以銀行、放款機構針對特定核心企業及其上下游企業提供金融產品、服務的一種融資模式,讓資金可以靈活的在供應鏈中流動,讓一些規模較小的企業,不會受到資金不足的限制。供應鏈金融與傳統信貸業務最大的差別在於,透過核心企業的信用能力評估,來分擔對中小型企業訊息不對稱所產生的風險,讓中小企業獲得的充裕資金,以利供應鏈的發展。
國際間已經有類似成功的案例,例如墨西哥國家金融發展銀行(NAFIN)連結美歐大型通路業者與其國內中小企業而成的融資平台是世界銀行所推崇的案例。NAFIN直接取得美歐大型通路業者的應付帳款資訊,並利用此資訊做為向國內中小企業收購應收帳款及提供貿易融資的依據。該平台是利用歐美大型通路業者的高信用,來降低小供應商的違約風險,是一個建構在大型通路業者(核心企業)和供應商之間跨國家的供應鏈金融平台。
透過供應鏈金融為基礎,整合資金需求者、資金供應者及增值服務者三大業者。近年電子商務、互聯網、區塊鏈、大數據等技術的成熟,讓金流、物流相繼與網路平台連結,供應鏈金融因此也有新的發展。2017年3月鴻海集團旗下金融服務平台子公司「富金通」攜手中國網貸(P2P)平台「點融網」共同宣布,推出「鏈結金融」(Chained Finance)平台,率先搶進此市場,透過區塊鏈、互聯網整合而成供應鏈金融平台,初期將業務鎖定於電子製造業、汽車業和服裝業等三大產業的中小企業。由此,便可看出各界對此服務發展潛能的重視。
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