電子商務供應鏈金融運作模式研究
發(fā)布時間：2018-11-14 12:46
【摘要】：供應鏈金融在我國的實踐主要是為了解決中小企業(yè)融資難問題。傳統(tǒng)的供應鏈金融服務的基本運作模式是“M+1+N”,即圍繞核心企業(yè)為其上下游的中小企業(yè)提供融資服務。這種運作模式在一定程度上緩解了我國中小企業(yè)融資難、融資貴的狀況。但是,傳統(tǒng)的供應鏈金融只是解決了一部分中小企業(yè)的資金需求問題,對于更廣范圍的中小企業(yè)的資金需求,金融機構沒有給予更多的支持。另一方面,傳統(tǒng)供應鏈金融依賴于核心企業(yè)的信用外溢,使得整個供應鏈金融的風險過于集中。在互聯(lián)網(wǎng)全面普及、新興技術手段不斷涌現(xiàn)、電子商務迅速發(fā)展、個性化的融資需求持續(xù)高漲的新環(huán)境下,這種僵化的融資模式并不能適應當今中小企業(yè)個性化的融資需求。在此背景之下,電子商務供應鏈金融應運而生,一方面,通過電子商務平臺使得企業(yè)之間的信息交互更加的充分,使傳統(tǒng)供應鏈金融的信息不對稱情況得到極大的改善。另一方面,大數(shù)據(jù)、可視化、云計算等新技術的出現(xiàn)將供應鏈參與者的物流數(shù)據(jù)、交易數(shù)據(jù)、金融數(shù)據(jù)等多角度、多維度的龐大數(shù)據(jù)資源整合起來交叉復現(xiàn),得以對供應鏈參與者進行風險的全面把控。使中小企業(yè)個性化的融資需求得到滿足,極大的提升了供應鏈金融的融資效率。本文通過分析傳統(tǒng)供應鏈金融的運作的主要模式,分析其各種模式的特點以及優(yōu)劣勢,得出傳統(tǒng)供應鏈金融存在的問題。結合目前新的經(jīng)濟形式以及技術環(huán)境,分析了電子商務供應鏈金融的主要運作模式。通過將傳統(tǒng)供應鏈金融與電子商務供應鏈金融的對比分析,可以定性的得出后者的融資效率高于前者。進一步通過Agent的模擬分析以及VAR模型的實證分析,得到電子商務平臺的發(fā)展確實促進了金融機構對中小企業(yè)的資金支持,進而得出電子商務供應鏈金融對解決中小企業(yè)融資問題相比與傳統(tǒng)供應鏈金優(yōu)勢更大,獲得了數(shù)據(jù)方面的支持。通過縱向的比較現(xiàn)有的電子商務供應鏈金融運作模式,進一步分析出有更大優(yōu)勢的戰(zhàn)略整合電子商務供應鏈金融運作模式。并提出以下四條建議:建立基于價值網(wǎng)絡的新型供應鏈;建立戰(zhàn)略信息分享機制;建立戰(zhàn)略整合電子商務供應鏈金融;建立可視化的風險管控體系,即建立價值網(wǎng)絡、信息分享、平臺整合、風險可視的新型電子商務供應鏈金融。在這個新型電子商務供應鏈金融的促進之下,未來中小企業(yè)融資效率將得到進一步的提升。
[Abstract]:The practice of supply chain finance in our country is mainly to solve the financing problem of small and medium-sized enterprises. The basic mode of operation of traditional supply chain financial service is "M 1 N", that is, providing financing service to the upstream and downstream small and medium-sized enterprises around the core enterprises. To a certain extent, this mode of operation alleviates the financing difficulties and expensive financing of small and medium-sized enterprises in China. However, the traditional supply chain finance only solves the problem of the capital demand of some small and medium-sized enterprises, and the financial institutions do not give more support to the capital demand of the small and medium-sized enterprises in a wider range. On the other hand, the traditional supply chain finance relies on the credit spillover of the core enterprises, which makes the risk of the whole supply chain finance too concentrated. In the new environment with the popularization of the Internet, the continuous emergence of new technological means, the rapid development of electronic commerce, and the rising demand for individualized financing, this rigid financing model can not adapt to the individualized financing needs of small and medium-sized enterprises today. Under this background, E-commerce supply chain finance emerges as the times require. On the one hand, the information exchange among enterprises is more sufficient through e-commerce platform, which greatly improves the information asymmetry of traditional supply chain finance. On the other hand, the emergence of new technologies, such as big data, visualization, cloud computing, and so on, will integrate the huge data resources of supply chain participants, such as logistics data, transaction data, financial data, and so on, from many angles and dimensions. To be able to fully control the risks of supply chain participants. The individualized financing needs of small and medium-sized enterprises are satisfied and the financing efficiency of supply chain finance is greatly improved. This paper analyzes the main mode of operation of traditional supply chain finance, analyzes the characteristics and advantages and disadvantages of its various modes, and concludes the problems existing in traditional supply chain finance. Combined with the new economic form and technological environment, this paper analyzes the main operation mode of E-commerce supply chain finance. By comparing the traditional supply chain finance with the electronic commerce supply chain finance, we can qualitatively draw the conclusion that the financing efficiency of the latter is higher than that of the former. Further more, through the simulation analysis of Agent and the empirical analysis of VAR model, the development of e-commerce platform has really promoted financial institutions' financial support to small and medium-sized enterprises. Furthermore, it is concluded that E-commerce supply chain finance has more advantages than traditional supply chain finance in solving the financing problem of SMEs, and has obtained data support. Through the vertical comparison of the existing e-commerce supply chain financial operation mode, further analysis of the greater advantages of the e-commerce supply chain financial operation mode of strategic integration. Four suggestions are put forward as follows: establishing a new supply chain based on value network, establishing a strategic information sharing mechanism, establishing a strategic integration of e-commerce supply chain finance; To establish a visual risk management system, that is, to establish a value network, information sharing, platform integration, risk visualization of a new type of e-commerce supply chain finance. Under the promotion of this new e-commerce supply chain finance, the financing efficiency of SMEs will be further improved in the future.
【學位授予單位】：河南財經(jīng)政法大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F274
本文編號：2331195
[Abstract]:The practice of supply chain finance in our country is mainly to solve the financing problem of small and medium-sized enterprises. The basic mode of operation of traditional supply chain financial service is "M 1 N", that is, providing financing service to the upstream and downstream small and medium-sized enterprises around the core enterprises. To a certain extent, this mode of operation alleviates the financing difficulties and expensive financing of small and medium-sized enterprises in China. However, the traditional supply chain finance only solves the problem of the capital demand of some small and medium-sized enterprises, and the financial institutions do not give more support to the capital demand of the small and medium-sized enterprises in a wider range. On the other hand, the traditional supply chain finance relies on the credit spillover of the core enterprises, which makes the risk of the whole supply chain finance too concentrated. In the new environment with the popularization of the Internet, the continuous emergence of new technological means, the rapid development of electronic commerce, and the rising demand for individualized financing, this rigid financing model can not adapt to the individualized financing needs of small and medium-sized enterprises today. Under this background, E-commerce supply chain finance emerges as the times require. On the one hand, the information exchange among enterprises is more sufficient through e-commerce platform, which greatly improves the information asymmetry of traditional supply chain finance. On the other hand, the emergence of new technologies, such as big data, visualization, cloud computing, and so on, will integrate the huge data resources of supply chain participants, such as logistics data, transaction data, financial data, and so on, from many angles and dimensions. To be able to fully control the risks of supply chain participants. The individualized financing needs of small and medium-sized enterprises are satisfied and the financing efficiency of supply chain finance is greatly improved. This paper analyzes the main mode of operation of traditional supply chain finance, analyzes the characteristics and advantages and disadvantages of its various modes, and concludes the problems existing in traditional supply chain finance. Combined with the new economic form and technological environment, this paper analyzes the main operation mode of E-commerce supply chain finance. By comparing the traditional supply chain finance with the electronic commerce supply chain finance, we can qualitatively draw the conclusion that the financing efficiency of the latter is higher than that of the former. Further more, through the simulation analysis of Agent and the empirical analysis of VAR model, the development of e-commerce platform has really promoted financial institutions' financial support to small and medium-sized enterprises. Furthermore, it is concluded that E-commerce supply chain finance has more advantages than traditional supply chain finance in solving the financing problem of SMEs, and has obtained data support. Through the vertical comparison of the existing e-commerce supply chain financial operation mode, further analysis of the greater advantages of the e-commerce supply chain financial operation mode of strategic integration. Four suggestions are put forward as follows: establishing a new supply chain based on value network, establishing a strategic information sharing mechanism, establishing a strategic integration of e-commerce supply chain finance; To establish a visual risk management system, that is, to establish a value network, information sharing, platform integration, risk visualization of a new type of e-commerce supply chain finance. Under the promotion of this new e-commerce supply chain finance, the financing efficiency of SMEs will be further improved in the future.
【學位授予單位】：河南財經(jīng)政法大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F274
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