本文關(guān)鍵詞：“社交金融”模式下的供應(yīng)鏈綜合服務(wù)平臺(tái)方案設(shè)計(jì)　出處：《廣東財(cái)經(jīng)大學(xué)》2015年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：隨著國(guó)民經(jīng)濟(jì)的發(fā)展,中小企業(yè)在中國(guó)的經(jīng)濟(jì)發(fā)展中扮演著越來(lái)越重要的角色。然而,從我國(guó)中小企業(yè)目前的發(fā)展?fàn)顩r看,融資難已成為制約中小企業(yè)發(fā)展的重要因素之一。于是支持中小企業(yè)貸款的新型融資方式——供應(yīng)鏈金融應(yīng)運(yùn)而生。供應(yīng)鏈金融是我國(guó)未來(lái)經(jīng)濟(jì)增長(zhǎng)的重要驅(qū)動(dòng)力,是科技型企業(yè)和高新技術(shù)產(chǎn)業(yè)融資的重要渠道。然而隨著供應(yīng)鏈金融在我國(guó)的發(fā)展,其暴露出的問(wèn)題卻是層出不窮,其中以風(fēng)險(xiǎn)把控尤為凸顯。通過(guò)對(duì)供應(yīng)鏈金融起源、發(fā)展與創(chuàng)新的深度挖掘,可以發(fā)現(xiàn)解決供應(yīng)鏈金融問(wèn)題的根源在于如何做好供應(yīng)鏈管理,應(yīng)把信息流視為整個(gè)供應(yīng)鏈金融的調(diào)控器,而資金流只能看作供應(yīng)鏈的一個(gè)溶劑。隨著互聯(lián)網(wǎng)金融的蓬勃發(fā)展,線上供應(yīng)鏈金融已成為創(chuàng)新的主要形式和核心內(nèi)容。本文總結(jié)了已有的各種線上供應(yīng)鏈金融模式,逐一分析其缺點(diǎn)與不足,進(jìn)而提出構(gòu)建“社交金融”模式下的供應(yīng)鏈綜合服務(wù)平臺(tái)的設(shè)想,以期有效控制供應(yīng)鏈金融風(fēng)險(xiǎn)、促進(jìn)各產(chǎn)業(yè)鏈優(yōu)化升級(jí)、輔助優(yōu)質(zhì)中小企業(yè)持續(xù)經(jīng)營(yíng),最終達(dá)成物流、信息流、資金流的統(tǒng)一。本平臺(tái)的構(gòu)建過(guò)程當(dāng)中,將充分發(fā)揮物流企業(yè)在供應(yīng)鏈中信息采集的作用,并運(yùn)用“社交金融”的思想構(gòu)建新的信用評(píng)級(jí)體系,通過(guò)增加融資企業(yè)違約成本的方式,從根本上防范信用風(fēng)險(xiǎn)的發(fā)生。本文的研究框架是通過(guò)探索供應(yīng)鏈金融的起源、發(fā)展及創(chuàng)新,來(lái)發(fā)現(xiàn)其發(fā)展過(guò)程中存在的不足,進(jìn)而對(duì)社交平臺(tái)的服務(wù)流程進(jìn)行了詳細(xì)的設(shè)計(jì)與創(chuàng)新,并分別從市場(chǎng)、效益、風(fēng)險(xiǎn)等方面分析了本產(chǎn)品設(shè)計(jì)的可行性,最后為我國(guó)銀行業(yè)供應(yīng)鏈金融的發(fā)展提出了3點(diǎn)啟示,以期為其進(jìn)一步創(chuàng)新提供參考。
[Abstract]:With the development of the national economy, small and medium-sized enterprises play a more and more important role in the economic development of China. However, from the current development of small and medium enterprises in China, financing difficulty has become one of the important factors that restrict the development of small and medium-sized enterprises. As a result, the new financing way to support the loan of small and medium enterprises - supply chain finance came into being. Supply chain finance is an important driving force for China's economic growth in the future, and an important channel for the financing of high-tech enterprises and high-tech industries. However, with the development of supply chain finance in our country, its exposed problems emerge in endlessly, which is particularly prominent with risk. Through the depth of excavation of the origin, development and innovation of financial supply chain, can be found to solve the root of the supply chain finance problem is how to manage supply chain should take the information flow as the regulator of the whole supply chain finance, a solvent and the flow of funds can only be regarded as the supply chain. Along with the rapid development of Internet finance, the online supply chain finance has become the main form and core content of innovation. This paper summarizes the existing online supply chain finance model, analyzes its shortcomings and deficiencies, and puts forward the idea of constructing "social finance" under the mode of supply chain integrated service platform, in order to effectively control the supply chain financial risks and promote the optimization and upgrading of the industrial chain, supporting high quality small and medium enterprises continue to operate, reach a unified logistics the information flow, and capital flow. The construction process of the platform, will give full play to the logistics enterprise information acquisition in the supply chain, and the use of "social finance" thought of building a new credit rating system, by increasing the financing cost of default way to prevent the occurrence of credit risk fundamentally. The framework of this study is to explore the origin, development and innovation of supply chain finance, to find the problems in the process of its development, and service process on social networking platform for the design and innovation in detail, and separately from the market, benefit, risk and other aspects of the feasibility of the product design, put forward 3 points the inspiration for the development of China's banking financial supply chain, to provide reference for the further innovation.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F274;F832.4;F259.23

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