發(fā)布時間：2018-03-11 14:10

  本文選題：商業(yè)信用　切入點：產(chǎn)品市場競爭　出處：《云南財經(jīng)大學》2014年碩士論文　論文類型：學位論文

【摘要】：商業(yè)信用是企業(yè)市場行為中非常重要的一種行為，商業(yè)信用提供和獲取都是企業(yè)戰(zhàn)略決策的一部分。隨著市場經(jīng)濟全球化的快速發(fā)展，商業(yè)信用對企業(yè)重要性不斷上升，理論界對商業(yè)信用的研究也不斷深入。 企業(yè)的市場競爭力是企業(yè)得以生存和發(fā)展的重要決定因素，而資金鏈的穩(wěn)健又是保證產(chǎn)品市場競爭力的重要前提之一。隨著我國市場化的不斷深入，企業(yè)間的競爭也日益激烈，如何在激烈的競爭中生存和發(fā)展已經(jīng)成為企業(yè)面臨的一個重要戰(zhàn)略問題。作為資金鏈條中非常重要的外部資金來源和經(jīng)營手段，商業(yè)信用反應了企業(yè)的市場化行為，同時作為企業(yè)一種重要的信用方式，其能否獲得、是否提供及相應的數(shù)量比重都應該受到企業(yè)產(chǎn)品市場競爭的影響，商業(yè)信用行為是企業(yè)經(jīng)營戰(zhàn)略選擇的一部分，企業(yè)商業(yè)信用行為選擇的戰(zhàn)略目標是實現(xiàn)企業(yè)價值的最大化。但在目前，理論界缺乏企業(yè)產(chǎn)品市場競爭對企業(yè)商業(yè)信用行為影響的相關研究。 基于以上背景，本文擬企業(yè)所處的宏觀競爭環(huán)境及微觀競爭環(huán)境即從行業(yè)競爭程度及企業(yè)自身競爭能力兩個維度對企業(yè)商業(yè)信用行為的影響進行研究，，即研究在我國經(jīng)濟轉型背景下市場集中度和企業(yè)市場份額對企業(yè)的商業(yè)信用提供及獲取產(chǎn)生了怎樣的影響。 文章第一部分對產(chǎn)品市場競爭與商業(yè)信用行為研究的研究背景及研究意義進行分析并闡述本文的研究思路與框架。 第二部分分國外和國內(nèi)兩部分對文獻進行綜述，其中國外文獻分別對商業(yè)信用的存在動機，產(chǎn)品市場競爭與商業(yè)信用行為的研究進行系統(tǒng)的歸納和總結。國內(nèi)部分對國內(nèi)最新的研究進行歸納和總結。通過文獻的歸納和總結為研究假設的提出提供理論基礎。最后對國內(nèi)外的研究進行評述，闡明本文的研究方向。 第三部分梳理了產(chǎn)品市場競爭理論的發(fā)展及國內(nèi)外研究中常用的衡量指標，另外根據(jù)我國現(xiàn)實情況對我國的商業(yè)信用風險進行分析，以此為基礎運用博弈論對產(chǎn)品市場競爭對商業(yè)信用行為的影響機理進行分析。從理論上推導得出隨著行業(yè)壟斷程度的減弱，企業(yè)提供的商業(yè)信用增多，獲取的商業(yè)信用減少；隨著企業(yè)市場份額的減少，它所獲取的商業(yè)信用減少，而提供的商業(yè)信用增多。 第四部分對我國制造業(yè)公司獲取的商業(yè)信用和提供的商業(yè)信用及商業(yè)信用凈額的情況進行了統(tǒng)計，發(fā)現(xiàn)2008年至2012年平均值中，獲取商業(yè)信用最多的是機械設備儀表行業(yè)，提供商業(yè)信用最多的也是機械設備儀表行業(yè)。獲取商業(yè)信用最少的是紡織服裝皮毛行業(yè)，提供商業(yè)信用最少的是食品飲料行業(yè)。凈商業(yè)信用的取得方面存在很大差異，電子行業(yè)的凈商業(yè)信用為負值，說明電子行業(yè)獲取的商業(yè)信用比提供的商業(yè)信用少。凈商業(yè)信用獲取最多的行業(yè)是食品飲料行業(yè)。初步說明，企業(yè)商業(yè)信用行為跟行業(yè)因素有關，不同行業(yè)商業(yè)信用提供和獲取的數(shù)量存在差異。 第五部分為實證研究部分，根據(jù)商業(yè)信用競爭理論、商業(yè)信用的融資動機理論及國內(nèi)外對于這一問題的研究成果結合我國的商業(yè)信用制度背景提出研究假設，分宏觀角度和微觀角度即從行業(yè)競爭環(huán)境和企業(yè)自身競爭能力兩個方面，通過對我國制造業(yè)企業(yè)連續(xù)五年的數(shù)據(jù)進行回歸分析得出結論：隨著行業(yè)競爭程度的增強，行業(yè)內(nèi)企業(yè)商業(yè)信用的提供增加，獲取的商業(yè)信用減少。隨著企業(yè)市場份額的增大，企業(yè)提供給下游企業(yè)的商業(yè)信用有所下降，與簡單的博弈模型的結果是一致的。這說明在我國信用制度不健全的情況下，位于市場競爭中有利位勢的企業(yè)為了避免財務風險而不愿提供更多的商業(yè)信用，而那些市場位勢低的企業(yè)在激烈的市場競爭中為了獲取市場份額而提供更多的商業(yè)信用，這也印證了商業(yè)信用的競爭假說及Paul，etal（2007）的研究的結論：在激烈的市場競爭環(huán)境下，企業(yè)通過提供商業(yè)信用來擴大客戶群，提升企業(yè)的市場份額，在競爭中取得優(yōu)勢地位。而企業(yè)獲取的商業(yè)信用與產(chǎn)品市場競爭呈正比，說明市場位勢越高的企業(yè)獲取的商業(yè)信用越多，這與博弈模型的結論是一致的。 第六部分根據(jù)實證結果得出結論并給出宏觀和微觀的建議，就文章的研究不足進行了分析，對未來的研究作了展望。
[Abstract]:Commercial credit is a kind of behavior is very important in the enterprise market behavior, business credit availability and access are part of the strategic decision of enterprises. With the rapid development of the globalization of the market economy, commercial credit of enterprises rose in importance, research on commercial credit theory deeply.
The market competitiveness of enterprises is an important decision of enterprise survival and development of the factors, and the robust capital chain is an important prerequisite to ensure the market competitiveness of the products. With the deepening of market economy, the competition between enterprises has become increasingly fierce, how in the fierce competition for survival and development has become an important strategic issue for enterprises. As a very important chain of funds in the external sources of funding and management means, commercial credit reflects the market behavior of enterprises, at the same time as an important business credit, it can obtain the effect, whether to provide and the proportion of the number of corresponding should be the product market competition, commercial credit behavior is a part of the enterprise management strategy, strategy choice of enterprise commercial credit behavior is to maximize the value of the enterprise. But at present, the theoretical circle is lack of enterprises The related research on the impact of market competition on business credit behavior.
Based on the above background, to study the effects of two dimensions of the enterprise's macro competitive environment and micro competition environment from the degree of competition in the industry and the enterprise's competition ability of business credit behavior, namely research in the background of economic transformation in China under the market concentration and market share of the enterprise business credit supply and acquisition what's the impact.
The first part of the article analyzes the research background and significance of the research on product market competition and commercial credit behavior, and expounds the research ideas and framework of this paper.
The second part is divided into two parts of foreign and domestic literature review of foreign literature, which were of commercial credit in existing research motivation, product market competition and commercial credit behavior are systematically summarized. Sum up the domestic part of the domestic latest research. Provides theoretic foundation through the literature and summarized the research hypothesis is reviewed. Finally, the research at home and abroad, expounds the research direction of this paper.
The third part reviews the measure of common research and development at home and abroad, the product market competition theory, according to the reality of our country to our country's commercial credit risk analysis based on game theory is applied to the mechanism of the effect of product market competition on commercial credit behavior were analyzed. Theoretically derived with the weakening of industry the degree of monopoly, providing commercial credit for commercial credit increase, reduce with the decrease; the enterprise market share, it gets the commercial credit reduced, and provide business credit increased.
The statistics of the fourth part of our manufacturing companies acquiring and providing commercial credit and commercial credit net situation, found that from 2008 to 2012 average, access to commercial credit is the largest mechanical equipment instrument industry, commercial credit is also the most mechanical equipment instrument industry. To obtain commercial credit is the least textile and garment fur industry, commercial credit is the least of the food and beverage industry. There are great differences made net commercial credit, the electronics industry net commercial credit is negative, that electronic industry to obtain commercial credit than commercial credit. The maximum net commercial credit industry is the food and beverage industry. Initially, the business credit behavior with the industry factors, number of different industries provide commercial credit and obtain difference.
The fifth part is the empirical research, according to the commercial credit financing competition theory, motivation theory of commercial credit and the domestic and foreign research achievements about this problem with China's commercial credit system background put forward hypotheses, two aspects from the perspective of macro and micro competition environment and the enterprise's competition ability, by manufacturing the China's enterprises for five consecutive years of data for regression analysis concluded that: with the increase of the degree of competition in the industry, providing increased industry business credit, business credit gets reduced. With the increase of market share of companies, enterprises provide to downstream enterprises, commercial credit has declined, and a simple game model is consistent with the results of. This shows that in China's credit system is not perfect, in the market competition advantage potential enterprises in order to avoid the financial risk and not willing to mention For more commercial credit, and the market potential is low in fierce competition in the market in order to obtain market share and provide more business credit, which also confirms the competition hypothesis and Paul commercial credit, etal (2007) study concluded: in the fierce market competition environment, the enterprise by providing business credit to expand customer base, enhance the enterprise's market share, make the advantage position in the competition. The enterprises to obtain commercial credit and product market competition is directly related to the more commercial credit market potential is high for the enterprises, which is consistent with the conclusions of the game model.
The sixth part comes to the conclusion based on the empirical results and gives the macro and micro suggestions, analyzes the shortage of the article, and looks forward to the future research.

【學位授予單位】：云南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F425;F275

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