本文選題：云服務(wù) + 大數(shù)據(jù)��； 參考：《杭州電子科技大學(xué)》2017年碩士論文

【摘要】：中小企業(yè)融資難是當(dāng)前社會的熱點,供應(yīng)鏈融資是一種可以解決中小企業(yè)融資難的新型融資方式。目前供應(yīng)鏈融資的研究視角主要是從商業(yè)銀行的角度出發(fā),商業(yè)銀行在信息技術(shù)的助力之下,完成了從傳統(tǒng)的線下供應(yīng)鏈融資模式轉(zhuǎn)變?yōu)榫�上的銀行電子供應(yīng)鏈金融,雖然這個轉(zhuǎn)變使得供應(yīng)鏈融資的效率得到提升,但是為了降低信貸的風(fēng)險,銀行需要詳細(xì)審查中小企業(yè)的情況,還要不時監(jiān)控中小企業(yè)的經(jīng)營狀況,對于銀行來說難度比較大,成本比較高,融資效率進一步的提升就顯得較為困難。而以核心企業(yè)為主的供應(yīng)鏈融資的研究視角較少。隨著大數(shù)據(jù)和云服務(wù)的蓬勃發(fā)展,數(shù)據(jù)收集和數(shù)據(jù)分析的能力大大加強,核心企業(yè)通過打造云服務(wù)平臺使得供應(yīng)鏈管理系統(tǒng)能隨時收集和分析供應(yīng)鏈上企業(yè)的信息與數(shù)據(jù),從而弱化銀行和供應(yīng)鏈上企業(yè)的信息不對稱,降低其中的交易成本和委托代理成本,通過打造一個高度自動化、自助化、平臺化的供應(yīng)鏈融資平臺來提高供應(yīng)鏈融資的效率,彌補商業(yè)銀行的供應(yīng)鏈融資模式所存在的缺陷,進而促進供應(yīng)鏈融資的發(fā)展,解決中小企業(yè)融資難的問題。本文分為六個部分:第一部分說明研究的背景、目的與意義以及研究的創(chuàng)新點。第二部分是概念的界定與文獻綜述,云服務(wù)的基本概念和供應(yīng)鏈融資的基本概念以及供應(yīng)鏈融資的產(chǎn)生、發(fā)展和信息技術(shù)對供應(yīng)鏈融資的影響的文獻綜述。第三部分是理論框架,介紹本文的信息不對稱理論、供應(yīng)鏈管理理論、交易成本理論、委托代理理論、云服務(wù)和大數(shù)據(jù)理論這五大理論以及五大理論對供應(yīng)鏈融資的影響和理論分析框架。第四部分是云服務(wù)下核心企業(yè)供應(yīng)鏈融資的模式設(shè)計,介紹整個融資模式設(shè)計的框架。第五部分是案例分析,介紹DH公司通過打造云服務(wù)平臺,設(shè)計出三種供應(yīng)鏈融資模式,分別是電子商票融資模式、遠(yuǎn)期支付結(jié)算供應(yīng)鏈融資模式、電子票據(jù)池融資模式,然后是DH公司的供應(yīng)鏈融資的效果分析。第六部分是對策與建議,針對整個供應(yīng)鏈融資模式的研究所存在的缺陷,比如商業(yè)銀行的參與度不夠,核心企業(yè)的供應(yīng)鏈融資模式的完整度不夠等等,從政府、銀行、核心企業(yè)、中小企業(yè)這幾個層面提出對策建議。
[Abstract]:The financing difficulty of small and medium-sized enterprises is a hot spot in the society at present. Supply chain financing is a new financing method which can solve the financing difficulties of small and medium-sized enterprises. At present, the research angle of supply chain financing is mainly from the angle of commercial banks. With the help of information technology, commercial banks have completed the transformation from the traditional offline supply chain financing mode to the online banking electronic supply chain finance. Although this change has increased the efficiency of supply chain financing, in order to reduce the risk of credit, banks need to examine the situation of small and medium-sized enterprises in detail, and from time to monitor the operation of small and medium-sized enterprises, which is more difficult for banks. The cost is relatively high, financing efficiency further promotion appears to be more difficult. However, the research angle of supply chain financing based on core enterprises is less. With the rapid development of big data and cloud services, the capability of data collection and data analysis is greatly enhanced. The core enterprises can collect and analyze the information and data of enterprises in the supply chain at any time by building cloud service platform. In order to weaken the information asymmetry of banks and enterprises in supply chain, reduce the transaction cost and principal-agent cost, and improve the efficiency of supply chain financing by creating a highly automated, self-help and platform-oriented supply chain financing platform. This paper makes up for the deficiency of the supply chain financing mode of commercial banks, and then promotes the development of supply chain financing, and solves the problem of financing difficulty for small and medium-sized enterprises. This paper is divided into six parts: the first part explains the background, purpose and significance of the research as well as the innovation of the research. The second part is the definition of concept and literature review, the basic concept of cloud services and the basic concept of supply chain financing, the emergence of supply chain financing, development and information technology on the impact of supply chain financing literature review. The third part is the theoretical framework, which introduces the information asymmetry theory, supply chain management theory, transaction cost theory, principal-agent theory. The influence of cloud service and big data theory on supply chain financing and its theoretical analysis framework. The fourth part is the core enterprise supply chain financing model design under the cloud service, introduces the entire financing pattern design frame. The fifth part is the case analysis, introduces DH company through creating cloud service platform, designs three supply chain financing modes, namely electronic business ticket financing mode, forward payment settlement supply chain financing mode, electronic bill pool financing mode. Then is the DH company's supply chain financing effect analysis. The sixth part is the countermeasures and suggestions for the research of the entire supply chain financing model, such as the lack of participation of commercial banks, the integrity of the supply chain financing model of core enterprises, etc., from the government, banks, Core enterprises, small and medium-sized enterprises these several levels put forward countermeasures and suggestions.
【學(xué)位授予單位】：杭州電子科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F49;F274;F275

【參考文獻】

相關(guān)期刊論文 前10條

1 安鴻辰;黃逸s，

本文編號：1892395