本文選題：線上供應(yīng)鏈金融 + 交易聯(lián)動��； 參考：《武漢理工大學(xué)》2013年碩士論文

【摘要】：在我國經(jīng)濟(jì)轉(zhuǎn)型期資金閑置與中小企業(yè)融資難的背景下,結(jié)合國內(nèi)外線上供應(yīng)鏈金融信息化與專業(yè)化平臺發(fā)展趨勢,立足滿足供應(yīng)鏈企業(yè)融資的在線響應(yīng)需求和實(shí)現(xiàn)端到端供應(yīng)鏈融資的決策支持的需求,本文研究線上供應(yīng)鏈金融交易聯(lián)動問題。雖然平安銀行、中信銀行、招商銀行等先后推出“線上供應(yīng)鏈金融”或“電子供應(yīng)鏈金融”等平臺來實(shí)現(xiàn)預(yù)付賬款類、存貨類和應(yīng)收賬款類融資等線上供應(yīng)鏈金融服務(wù),但各大銀行各自為政,加上其商業(yè)模式容易被復(fù)制,致使整個行業(yè)同質(zhì)化競爭現(xiàn)象嚴(yán)重。業(yè)務(wù)模式繁多而流程非標(biāo)準(zhǔn)化、操作環(huán)節(jié)風(fēng)險控制較少、產(chǎn)品風(fēng)險定價難度大等問題凸顯。 線上供應(yīng)鏈金融是一種互聯(lián)網(wǎng)金融產(chǎn)品,具有典型的交易性融資產(chǎn)品的特點(diǎn),整個交易過程是在相應(yīng)的觸發(fā)條件下,按照一定時序而順序/并發(fā)/條件執(zhí)行的原子交易的服務(wù)組合。對此,本文應(yīng)用面向?qū)ο蟮腜etri網(wǎng)(OOPN:Object-Oriented Petri Net)方法,通過對業(yè)務(wù)流程的分解,剖析商流、物流、資金流、信息流的流轉(zhuǎn)如何促使線上供應(yīng)鏈金融交易聯(lián)動,以直觀描述線上供應(yīng)鏈金融預(yù)付賬款類、存貨類和應(yīng)收賬款類融資的交易聯(lián)動內(nèi)在機(jī)理,使線上供應(yīng)鏈金融向業(yè)務(wù)流程標(biāo)準(zhǔn)化和風(fēng)險過程控制與定價的有序方向運(yùn)行和平臺繁榮化方向發(fā)展。概括起來,本文的主要內(nèi)容以及創(chuàng)新點(diǎn)如下： (1)揭示線上供應(yīng)鏈金融的交易聯(lián)動性特點(diǎn),指出線上供應(yīng)鏈金融交易是由電子商務(wù)交易、在線支付交易、在線融資交易、在線物流交易等相互作用而構(gòu)成的復(fù)雜系統(tǒng),是典型的交易性融資業(yè)務(wù)；應(yīng)用OOPN方法構(gòu)建了線上供應(yīng)鏈金融系統(tǒng)結(jié)構(gòu)模型,并分析了線上供應(yīng)鏈金融系統(tǒng)的交易聯(lián)動性屬性。 (2)采用OOPN方法對比分析預(yù)付賬款類、存貨類和應(yīng)收賬款類融資模式三大類別中典型融資模式交易聯(lián)動過程,挖掘業(yè)務(wù)流程中的異同點(diǎn)和風(fēng)險點(diǎn),進(jìn)而以業(yè)務(wù)模塊可重用和風(fēng)險控制為出發(fā)點(diǎn),以線上供應(yīng)鏈金融業(yè)務(wù)流程規(guī)范化為目的,分別構(gòu)建線上供應(yīng)鏈金融預(yù)付賬款類、存貨類和應(yīng)收賬款類融資模式的交易聯(lián)動模型。 (3)提出線上供應(yīng)鏈金融交易聯(lián)動是線上供應(yīng)鏈金融協(xié)同創(chuàng)新和風(fēng)險控制的基礎(chǔ)。本文認(rèn)為,線上供應(yīng)鏈金融交易聯(lián)動促進(jìn)業(yè)務(wù)協(xié)同,而基于交易聯(lián)動過程的操作風(fēng)險、供應(yīng)鏈的整體信用風(fēng)險和中小企業(yè)交易性信用風(fēng)險是線上供應(yīng)鏈金融獨(dú)特的風(fēng)險,應(yīng)從交易過程中風(fēng)險識別的關(guān)鍵點(diǎn)來進(jìn)行防控,為線上供應(yīng)鏈金融產(chǎn)品風(fēng)險定價研究奠定了基礎(chǔ)。
[Abstract]:Under the background of idle funds and financing difficulties for small and medium-sized enterprises in China's economic transition period, combined with the development trend of domestic and foreign online supply chain financial informatization and specialization platform, Based on the online response demand of supply chain enterprise financing and the demand of end-to-end supply chain financing decision support, this paper studies the online supply chain financial transaction linkage problem. Although Ping an Bank, CITIC Bank and China Merchants Bank have successively launched platforms such as "online supply chain finance" or "electronic supply chain finance" to implement online supply chain financial services such as pre-payment, inventory and receivables financing. But the banks are doing their own thing, and their business model is easy to be copied, which makes the whole industry homogenous competition. Many business models and non-standardized processes, less operational risk control, product risk pricing is difficult to highlight. On-line supply chain finance is an Internet financial product with the characteristics of typical transactional financing products. The whole transaction process is under the corresponding trigger conditions. A combination of services for atomic transactions performed in order / concurrency / condition according to a given sequence. In this paper, the object-oriented Petri net / Object-Oriented Petri net method is used to analyze how the flow of business flow, material flow, capital flow and information flow can promote the financial transaction of online supply chain by decomposing the business process, and analyzing how the flow of business flow, material flow, capital flow and information flow can promote the linkage of online supply chain financial transactions. This paper describes the transaction linkage mechanism of financial prepayment, inventory and accounts receivable financing in online supply chain. It makes the online supply chain finance develop towards the standardization of business process, the orderly direction of risk process control and pricing, and the prosperity of platform. To sum up, the main contents and innovations of this paper are as follows: This paper reveals the characteristics of online supply chain financial transaction, and points out that online supply chain financial transaction is a complex system composed of electronic commerce transaction, online payment transaction, online financing transaction, online logistics transaction and so on. This paper applies OOPN method to construct the structural model of online supply chain financial system, and analyzes the transaction linkage attribute of online supply chain financial system. (2) OOPN method is used to compare and analyze the transaction linkage process of typical financing modes in the three kinds of financing modes, such as prepaid accounts, inventory and receivable, and to excavate the similarities and differences and risk points in the business process. Based on the reusability and risk control of the business modules and the standardization of the online supply chain financial business process, the transaction linkage model of the online supply chain financial prepayment, inventory and receivable financing modes is constructed respectively. 3) it is proposed that the online supply chain financial transaction linkage is the foundation of the online supply chain financial collaborative innovation and risk control. This paper holds that the online supply chain financial transaction linkage promotes business cooperation, and based on the operational risk of the transaction linkage process, the overall credit risk of the supply chain and the transaction credit risk of small and medium-sized enterprises are unique risks of online supply chain finance. Prevention and control should be carried out from the key points of risk identification in the course of transaction, which lays a foundation for the research of risk pricing of online supply chain financial products.
【學(xué)位授予單位】：武漢理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F752;F832

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本文編號：1910034