基于多Agent供應(yīng)鏈融資伙伴的選擇
本文選題:供應(yīng)鏈融資 + 伙伴選擇 ; 參考:《武漢理工大學(xué)》2014年碩士論文
【摘要】:供應(yīng)鏈融資是以供應(yīng)鏈整體為對(duì)象,依托供應(yīng)鏈上的核心企業(yè)的信用額度,為其上下游配套的中小企業(yè)提供融資貸款的金融業(yè)務(wù),通過(guò)真實(shí)的交易關(guān)系作為信用擔(dān)保,核心企業(yè)的雄厚實(shí)力作為保障,解決中小企業(yè)融資難的問(wèn)題。通過(guò)提供有效的融資業(yè)務(wù)能夠提高供應(yīng)鏈整體的穩(wěn)定性,加強(qiáng)各成員間的合作關(guān)系,加深彼此的戰(zhàn)略聯(lián)盟關(guān)系。而且各節(jié)點(diǎn)企業(yè)在交易中的角色扮演不同,需要采取的融資方案不同,通過(guò)私人定制的金融產(chǎn)品服務(wù)可以提高其資金流動(dòng)效率,減少資金的占用,通過(guò)信息平臺(tái)的快速信息集成和反饋,對(duì)融資業(yè)務(wù)的開(kāi)展具體情況進(jìn)行監(jiān)督和反饋,,降低各方參與主體的運(yùn)營(yíng)風(fēng)險(xiǎn)。供應(yīng)鏈融資業(yè)務(wù)是金融產(chǎn)品的創(chuàng)新,在供應(yīng)鏈管理中有較大的發(fā)展空間,個(gè)性化的金融服務(wù)能夠?yàn)榻鹑谄髽I(yè)和融資企業(yè)帶來(lái)更多的利益空間。 供應(yīng)鏈融資在我國(guó)發(fā)展的近十年來(lái)已經(jīng)取得一定成績(jī),但因?yàn)榘l(fā)展的年限有限,存在一些問(wèn)題有待解決和完善。供應(yīng)鏈融資作為一項(xiàng)金融業(yè)務(wù),同樣存在必不可少的信貸風(fēng)險(xiǎn),而申請(qǐng)融資業(yè)務(wù)的中小企業(yè)的自身信用狀況是評(píng)價(jià)業(yè)務(wù)是否可以受理的主要依據(jù)。信用決策是建立在相對(duì)可信的信用評(píng)價(jià)結(jié)果的基礎(chǔ)之上,我國(guó)的信用體系至今還不完善,個(gè)人主觀(guān)判斷和情感因素起到很大的決定因素。本文旨在構(gòu)建供應(yīng)鏈融資伙伴選擇的評(píng)價(jià)體系和選擇模型。良好的合作伙伴有利于供應(yīng)鏈整體的健康發(fā)展和共同效益的提升,通過(guò)科學(xué)、可行的指標(biāo)選擇開(kāi)展融資業(yè)務(wù)的合作伙伴,從而降低供應(yīng)鏈整體的風(fēng)險(xiǎn)水平,提高各方收益。 本文論述了在選擇融資伙伴過(guò)程中應(yīng)當(dāng)遵循的原則和具體流程,將供應(yīng)鏈融資伙伴的選擇分成兩個(gè)步驟,先對(duì)供應(yīng)鏈整體進(jìn)行評(píng)價(jià)選擇,再對(duì)供應(yīng)鏈上有融資需求的企業(yè)進(jìn)行選擇。并結(jié)合融資伙伴選擇的流程設(shè)計(jì)了相應(yīng)的指標(biāo)評(píng)價(jià)體系,從評(píng)價(jià)指標(biāo)的層級(jí)中得到企業(yè)間的信用度在選擇過(guò)程中的重要性,以此選擇了本文供應(yīng)鏈融資伙伴選擇的方法。其次,從金融機(jī)構(gòu)視角出發(fā),將供應(yīng)鏈融資伙伴的選擇分成了兩級(jí),構(gòu)建了融資伙伴選擇的多Agent模型,通過(guò)多Agent協(xié)商對(duì)供應(yīng)鏈進(jìn)行選擇,基于信任網(wǎng)構(gòu)建融資企業(yè)的選擇模型。最后針對(duì)供應(yīng)鏈融資伙伴選擇的過(guò)程和方法,闡述了在融資伙伴選擇過(guò)程中的風(fēng)險(xiǎn)來(lái)源和類(lèi)型,并提出了相應(yīng)的風(fēng)險(xiǎn)防范措施。
[Abstract]:Supply chain financing is based on the credit line of the core enterprises in the supply chain, which provides financing loans for the SMEs in the upstream and downstream, and takes the real transaction relationship as the credit guarantee, and the supply chain financing is based on the supply chain as a whole, relying on the credit line of the core enterprises in the supply chain. The core enterprise's abundant strength serves as the safeguard, solves the small and medium-sized enterprise financing difficult question. By providing effective financing business, the overall stability of the supply chain can be improved, the cooperative relationship among members can be strengthened, and the strategic alliance relationship between each other can be deepened. Moreover, each node enterprise plays a different role in the transaction, and needs to adopt different financing schemes. Through private customized financial products and services, it can improve the efficiency of capital flow and reduce the use of funds. Through the rapid information integration and feedback of the information platform, the specific situation of the financing business is monitored and feedback, and the operation risk of the participants is reduced. Supply chain financing business is the innovation of financial products. There is a great space for development in supply chain management. Individualized financial services can bring more benefit space for financial enterprises and financing enterprises. Supply chain financing has made some achievements in the past ten years of development in China, but there are some problems to be solved and improved due to the limited number of years of development. As a financial business, supply chain financing also has essential credit risk, and the credit status of SMEs applying for financing business is the main basis to evaluate whether the business can be accepted or not. Credit decision is based on the results of relatively credible credit evaluation. The credit system of our country is still imperfect, and personal subjective judgment and emotional factors play a very important role. The purpose of this paper is to construct the evaluation system and selection model of supply chain financing partner selection. A good partner is conducive to the healthy development of the whole supply chain and the promotion of co-benefits. Through scientific and feasible indicators, we can select the partners to carry out financing business, so as to reduce the risk level of the whole supply chain and improve the income of all parties. This paper discusses the principles and specific processes to be followed in the process of selecting financing partners. The selection of supply chain financing partners is divided into two steps, and the whole supply chain is evaluated and selected. Then the supply chain on the financing needs of enterprises to choose. Combining with the process of financing partner selection, this paper designs the corresponding index evaluation system, obtains the importance of the credit degree among enterprises in the selection process from the evaluation index level, and selects the method of selecting the financing partner in the supply chain in this paper. Secondly, from the perspective of financial institutions, the selection of financing partners in supply chain is divided into two levels, and the multi- model of financing partner selection is constructed. Supply chain is selected through multi- negotiation, and the selection model of financing enterprises is constructed based on trust network. Finally, according to the process and method of financing partner selection in supply chain, this paper expounds the source and type of risk in the process of financing partner selection, and puts forward the corresponding risk prevention measures.
【學(xué)位授予單位】:武漢理工大學(xué)
【學(xué)位級(jí)別】:碩士
【學(xué)位授予年份】:2014
【分類(lèi)號(hào)】:F274;F275
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