本文選題：物流金融 + 預付賬款融資�。� 參考：《廣東工業(yè)大學》2017年碩士論文

【摘要】：物流金融是物流領域與金融領域的交叉領域,由于我國目前絕大多數(shù)的企業(yè)都是中小民營企業(yè);而且中小企業(yè)經(jīng)常由于規(guī)模小,融資困難從而導致資金鏈斷裂,甚至破產(chǎn)的現(xiàn)象時有發(fā)生。中小企業(yè)融資困難的現(xiàn)狀,使得各行各業(yè)都迫切地想尋找一種能實現(xiàn)多方共贏的融資模式,而此時物流金融順時代需求而生,它不僅能夠為各方都帶來利益的增長,而且能夠給企業(yè)帶來業(yè)務的創(chuàng)新與拓展,從而使其成為物流領域與金融領域共同關注的新興領域,預付賬款融資則是國內(nèi)銀行物流金融業(yè)務中,發(fā)展較早而又具有典型特色的產(chǎn)品。本文在文獻研究及調(diào)研的基礎上,首先對物流金融及供應鏈金融的概念與其常見模式進行了簡要論述。進而對預付賬款融資業(yè)務的運作流程、功能特點及其風險點進行了詳細的論述。緊接著建立以預付賬款融資為背景的供應鏈決策模型,在市場需求不確定、零售商資金不足時,研究了零售商的融資決策與訂貨量決策,并對比分析了融資與不融資兩種情形下,零售商發(fā)展各周期的收益變化,以及零售商、制造商及整個供應鏈的收益變化;然后,進一步在金融機構(gòu)設置最低貸款額度限制的情形下,對零售商的融資決策與訂貨量決策進行研究,并在假定制造商為主導的供應鏈情形下研究了制造商的最優(yōu)定價決策,對比分析在金融機構(gòu)有設置最低貸款額度與沒有設置最低貸款額度兩種情形下,零售商發(fā)展各周期的收益變化,以及零售商、制造商及整個供應鏈的收益變化;再通過數(shù)值分析驗證了企業(yè)資金嚴重缺乏時,融資對企業(yè)的效果顯著;隨著自有資金增加,融資帶來的額外收益會逐漸下降;金融機構(gòu)設置最低貸額度,會降低零售商在自有資金相對充足時的貸款意愿,并在零售商自有資金嚴重不足時,金融機構(gòu)將拒絕對零售商提供金融支持;在零售商不斷積累自有資金的情況下,融資可以使得供應鏈更快實現(xiàn)最優(yōu)產(chǎn)量,融資額度限制會適當延遲最優(yōu)產(chǎn)量實現(xiàn),并且融資能夠使得供應鏈的總產(chǎn)品盡快達到最佳產(chǎn)量,有效滿足消費者需求。最后基于以上研究本文還建立了簡單的預付賬款融資決策支持系統(tǒng),增加本文研究成果在實際應用中的可操作性,為供應鏈企業(yè)決策分析起到一定的參考與指導作用。
[Abstract]:Logistics finance is a cross field between logistics field and financial field. Because most of the enterprises in our country are small and medium-sized private enterprises at present, and small and medium-sized enterprises often have small scale, financing difficulties, which lead to the break of the capital chain. Even bankruptcy occurs from time to time. The current situation of financing difficulties of small and medium-sized enterprises makes all walks of life urgently want to find a financing mode that can realize the win-win situation. At this time, logistics finance is born with the needs of the times, and it can not only bring benefits growth for all parties. Moreover, it can bring business innovation and expansion to enterprises, thus making it a new field of common concern in the field of logistics and finance. Developed earlier and with typical characteristics of the product. On the basis of literature research and research, this paper briefly discusses the concepts and common models of logistics finance and supply chain finance. Then, the operation process, function characteristics and risk point of prepaid account financing business are discussed in detail. Then a supply chain decision model with the background of prepaid account financing is established. When the market demand is uncertain and the retailer is short of funds, the financing decision and the order quantity decision of the retailer are studied. Then, the paper compares and analyses the profit changes of retailers, manufacturers and the whole supply chain under the two situations of financing and non-financing. Then, the paper analyzes the change of the retailer's income in each cycle, and the change of the retailer, the manufacturer and the whole supply chain. In the case of financial institutions setting the minimum loan limit, the financing decision and the order quantity decision of the retailer are studied, and the optimal pricing decision of the manufacturer is studied under the assumption that the manufacturer is dominant in the supply chain. In the case of financial institutions with minimum loan quota and without minimum loan quota, the profit changes of retailers, manufacturers and the whole supply chain are analyzed. Through numerical analysis, it is verified that when the enterprise capital is seriously lacking, the effect of financing on the enterprise is remarkable; with the increase of its own capital, the additional income from the financing will gradually decline; the financial institutions will set the minimum loan quota. It will reduce the willingness of retailers to lend when their own funds are relatively sufficient, and financial institutions will refuse to provide financial support to retailers when they are seriously underfunded; when retailers are accumulating their own funds, Financing can make the supply chain achieve the optimal output more quickly, and the limit of the financing quota will delay the realization of the optimal output, and the financing can make the total product of the supply chain reach the best output as soon as possible, and effectively meet the needs of consumers. Finally, based on the above research, this paper also establishes a simple decision support system for prepayment financing, which increases the operability of the research results in practical application, and plays a certain reference and guidance role for the decision analysis of supply chain enterprises.
【學位授予單位】：廣東工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F274

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