制造商主導(dǎo)的供應(yīng)鏈融資短期支付模型研究
發(fā)布時(shí)間：2019-01-22 15:02
【摘要】：隨著我國(guó)市場(chǎng)經(jīng)濟(jì)的迅速發(fā)展，中小企業(yè)在國(guó)民經(jīng)濟(jì)中占有越來(lái)越重要地位，但是中小企業(yè)的融資卻越來(lái)越困難。2009年金融危機(jī)導(dǎo)致很多出口導(dǎo)向型中小企業(yè)，因融資困難資金鏈斷裂而紛紛倒閉，更突顯了這一問(wèn)題的嚴(yán)峻性。供應(yīng)鏈金融的提出，為中小企業(yè)融資提供了有效途徑。特別在金融危機(jī)之后生產(chǎn)恢復(fù)的背景下，中小企業(yè)如何通過(guò)供應(yīng)鏈財(cái)務(wù)上的協(xié)作獲取融資，以及如何安排生產(chǎn)使效益更大；商業(yè)銀行如何在保證貸款安全的前提下，通過(guò)有限的貸款資源幫助更多中小企業(yè)恢復(fù)生產(chǎn)；如何提出更具操作性的供應(yīng)鏈金融模式，給中小企業(yè)融資提供參考，將是本文重點(diǎn)解決的問(wèn)題。 本文正是研究了供應(yīng)鏈金融中一種新的融資模式。在一個(gè)由制造商、批發(fā)商和商業(yè)銀行組成的供應(yīng)鏈金融系統(tǒng)中，在獨(dú)立融資模式下，制造商、批發(fā)商分別獨(dú)立地向銀行申請(qǐng)貸款；協(xié)作融資模式下，由批發(fā)商協(xié)同制造商共同向商業(yè)銀行提出融資需求，并在銀行設(shè)立監(jiān)管賬戶，獲取貸款作為定金支付給制造商以啟動(dòng)生產(chǎn)。本文將通過(guò)數(shù)學(xué)模型建立批發(fā)商、制造商及商業(yè)銀行的利潤(rùn)函數(shù)，對(duì)比兩種模式下的利潤(rùn)情況，以論證協(xié)作融資模式：對(duì)于供應(yīng)鏈而言，減少了貸款總額，節(jié)約了利息支出，使供應(yīng)鏈各方獲得更高利潤(rùn)；對(duì)于商業(yè)銀行，它可以節(jié)約貸款資源，有利于拓展其他貸款業(yè)務(wù)；對(duì)于國(guó)民經(jīng)濟(jì)來(lái)說(shuō)，可以促進(jìn)生產(chǎn)，帶來(lái)更多經(jīng)濟(jì)效益，增加國(guó)民生產(chǎn)總值。在深入分析結(jié)論以及模型仿真結(jié)果分析的基礎(chǔ)上，進(jìn)一步提出模型的應(yīng)用建議以及管理對(duì)策。 本文采取理論與實(shí)證相結(jié)合，，實(shí)驗(yàn)研究以及比較分析的方法，通過(guò)設(shè)定模型變量數(shù)值，構(gòu)建仿真案例進(jìn)行仿真分析。對(duì)比在不同融資方式下，制造商、批發(fā)商和商業(yè)銀行的利潤(rùn)大小，試圖論證在本文提出的協(xié)作融資模式下，對(duì)于供應(yīng)鏈各方都更優(yōu)。最后從管理學(xué)的角度，結(jié)合實(shí)踐提出模型的應(yīng)用建議，以及為金融危機(jī)后中小企業(yè)融資、生產(chǎn)安排及銀行貸款資源分配等問(wèn)題提供管理對(duì)策。
[Abstract]:With the rapid development of China's market economy, SMEs play an increasingly important role in the national economy, but the financing of SMEs is becoming more and more difficult. Because of financing difficulties, the financial chain broke and closed down one after another, highlighting the seriousness of the problem. The proposal of supply chain finance provides an effective way for SMEs to finance. Especially in the context of the recovery of production after the financial crisis, how to obtain financing through financial cooperation in the supply chain, and how to arrange production to make more benefit; How to ensure the loan safety of commercial banks, through the limited loan resources to help more small and medium-sized enterprises to resume production; How to put forward a more operable supply chain finance model to provide reference for SMEs financing will be the key problem to be solved in this paper. This paper studies a new financing model in supply chain finance. In a supply chain financial system composed of manufacturers, wholesalers and commercial banks, manufacturers and wholesalers apply for loans from banks independently under the independent financing model. In the cooperative financing mode, wholesalers together with manufacturers put forward financing needs to commercial banks, and set up regulatory accounts in the banks to obtain loans and pay to manufacturers as a deposit to start production. In this paper, the profit function of wholesaler, manufacturer and commercial bank is established by mathematical model, and the profit of the two models is compared to prove the cooperative financing model: for the supply chain, the loan amount is reduced, and the interest expense is saved. (B) to make the parties in the supply chain more profitable; For commercial banks, it can save loan resources and expand other loan business; for national economy, it can promote production, bring more economic benefits, and increase gross national product. On the basis of deep analysis of conclusions and simulation results of the model, the application suggestions and management countermeasures of the model are put forward. This paper adopts the method of combining theory and demonstration, experimental research and comparative analysis, through setting model variable numerical value, build simulation case to carry on simulation analysis. By comparing the profit of manufacturers wholesalers and commercial banks under different financing modes this paper tries to prove that the cooperative financing model proposed in this paper is better for all parties in the supply chain. Finally, from the point of view of management, the paper puts forward some suggestions for the application of the model, and provides management countermeasures for the financing, production arrangement and bank loan resource allocation of SMEs after the financial crisis.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F274;F275;F276.3
[Abstract]:With the rapid development of China's market economy, SMEs play an increasingly important role in the national economy, but the financing of SMEs is becoming more and more difficult. Because of financing difficulties, the financial chain broke and closed down one after another, highlighting the seriousness of the problem. The proposal of supply chain finance provides an effective way for SMEs to finance. Especially in the context of the recovery of production after the financial crisis, how to obtain financing through financial cooperation in the supply chain, and how to arrange production to make more benefit; How to ensure the loan safety of commercial banks, through the limited loan resources to help more small and medium-sized enterprises to resume production; How to put forward a more operable supply chain finance model to provide reference for SMEs financing will be the key problem to be solved in this paper. This paper studies a new financing model in supply chain finance. In a supply chain financial system composed of manufacturers, wholesalers and commercial banks, manufacturers and wholesalers apply for loans from banks independently under the independent financing model. In the cooperative financing mode, wholesalers together with manufacturers put forward financing needs to commercial banks, and set up regulatory accounts in the banks to obtain loans and pay to manufacturers as a deposit to start production. In this paper, the profit function of wholesaler, manufacturer and commercial bank is established by mathematical model, and the profit of the two models is compared to prove the cooperative financing model: for the supply chain, the loan amount is reduced, and the interest expense is saved. (B) to make the parties in the supply chain more profitable; For commercial banks, it can save loan resources and expand other loan business; for national economy, it can promote production, bring more economic benefits, and increase gross national product. On the basis of deep analysis of conclusions and simulation results of the model, the application suggestions and management countermeasures of the model are put forward. This paper adopts the method of combining theory and demonstration, experimental research and comparative analysis, through setting model variable numerical value, build simulation case to carry on simulation analysis. By comparing the profit of manufacturers wholesalers and commercial banks under different financing modes this paper tries to prove that the cooperative financing model proposed in this paper is better for all parties in the supply chain. Finally, from the point of view of management, the paper puts forward some suggestions for the application of the model, and provides management countermeasures for the financing, production arrangement and bank loan resource allocation of SMEs after the financial crisis.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F274;F275;F276.3
【參考文獻(xiàn)】
相關(guān)期刊論文 前10條
1 賈濤;張燦榮;徐渝;;基于供應(yīng)商努力的供應(yīng)鏈代銷加收入分享策略[J];管理科學(xué);2007年05期
2 陳祥鋒;朱道立;應(yīng)雯s
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