【摘要】：當(dāng)今互聯(lián)網(wǎng)技術(shù)發(fā)展日新月異,越來(lái)越多的傳統(tǒng)行業(yè)漸從各個(gè)角度切入互聯(lián)網(wǎng),融合互聯(lián)網(wǎng)技術(shù)的運(yùn)作模式層出不窮。其中,傳統(tǒng)供應(yīng)鏈金融模式、商業(yè)銀行信貸模式與互聯(lián)網(wǎng)技術(shù)的融合,形成了以第三方B2B電商平臺(tái)為基礎(chǔ)的線上供應(yīng)鏈金融模式。在該模式下,商業(yè)銀行與第三方B2B電商平臺(tái)進(jìn)行合作,為供應(yīng)鏈上融資企業(yè)提供線上供應(yīng)鏈融資服務(wù)�；诘谌紹2B電商平臺(tái)線上供應(yīng)鏈金融模式,既將互聯(lián)網(wǎng)技術(shù)和不同供應(yīng)鏈的特點(diǎn)深度融合以解決中小企業(yè)融資難問(wèn)題;又有效降低融資企業(yè)與商業(yè)銀行之間信息不對(duì)稱,減少商業(yè)銀行信用風(fēng)險(xiǎn)。自這一新型模式出現(xiàn)以來(lái),市場(chǎng)規(guī)模不斷擴(kuò)大,信用風(fēng)險(xiǎn)伴隨市場(chǎng)規(guī)模的擴(kuò)大亦逐漸暴露。對(duì)信用風(fēng)險(xiǎn)的有效管控不僅影響著商業(yè)銀行的信貸安全,更決定著依托于這一模式下的整條供應(yīng)鏈能否順暢運(yùn)作。目前國(guó)內(nèi)在線上供應(yīng)鏈金融領(lǐng)域的研究仍處于發(fā)展的階段,已開展研究主要集中在線上供應(yīng)鏈金融的概念、融資模式、風(fēng)險(xiǎn)識(shí)別、線上供應(yīng)鏈金融各參與方收益判斷等方面,少有對(duì)基于第三方B2B平臺(tái)線上供應(yīng)鏈金融的信用風(fēng)險(xiǎn)評(píng)價(jià)進(jìn)行全面和深入的研究。當(dāng)前對(duì)基于第三方B2B平臺(tái)線上供應(yīng)鏈金融的信用風(fēng)險(xiǎn)進(jìn)行識(shí)別和評(píng)價(jià)的需求愈發(fā)強(qiáng)烈,但當(dāng)前學(xué)界對(duì)于這一問(wèn)題的研究還比較少。故本文從基于第三方B2B平臺(tái)線上供應(yīng)鏈金融業(yè)務(wù)模式入手,使用相關(guān)理論分析這一模式下信用風(fēng)險(xiǎn)的產(chǎn)生、運(yùn)作機(jī)理;然后在此基礎(chǔ)上,構(gòu)建一個(gè)能將基于第三方B2B平臺(tái)線上供應(yīng)鏈金融信用風(fēng)險(xiǎn)的定量指標(biāo)與定性指標(biāo)相結(jié)合的風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系;最后通過(guò)對(duì)模型及案例的分析來(lái)驗(yàn)證這一針對(duì)基于第三方B2B平臺(tái)線上供應(yīng)鏈金融信用風(fēng)險(xiǎn)評(píng)價(jià)研究的有效性和實(shí)用性。根據(jù)上述研究思路,第一,本文將供應(yīng)鏈金融和基于第三方B2B平臺(tái)線上供應(yīng)鏈金融兩個(gè)領(lǐng)域在國(guó)內(nèi)外的研究進(jìn)行文獻(xiàn)整理,梳理傳統(tǒng)供應(yīng)鏈金融和基于第三方B2B平臺(tái)線上供應(yīng)鏈金融的主要業(yè)務(wù)模式。第二,在此基礎(chǔ)上使用委托代理理論、系統(tǒng)論、信息不對(duì)稱理論、金融脆弱性理論、自償性理論以及供應(yīng)鏈風(fēng)險(xiǎn)管理理論對(duì)這一模式進(jìn)行理論分析,為后文中針對(duì)這一模式信用風(fēng)險(xiǎn)識(shí)別和評(píng)價(jià)指標(biāo)體系建立提供理論支持。第三,結(jié)合上文的理論分析識(shí)別基于第三方B2B平臺(tái)線上供應(yīng)鏈金融的信用風(fēng)險(xiǎn),建立這一模式下信用風(fēng)險(xiǎn)的評(píng)價(jià)指標(biāo)體系。第四,以上述信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系為基礎(chǔ),使用熵權(quán)系數(shù)法和灰色綜合評(píng)價(jià)法對(duì)實(shí)際案例中參與基于第三方B2B平臺(tái)線上供應(yīng)鏈金融業(yè)務(wù)的融資企業(yè)信用風(fēng)險(xiǎn)進(jìn)行評(píng)價(jià),以期在驗(yàn)證本文建立的信用風(fēng)險(xiǎn)評(píng)價(jià)體系的有效性和實(shí)用性的同時(shí),為商業(yè)銀行在這一模式下選擇提供信貸的融資企業(yè)提供一定借鑒。
[Abstract]:With the rapid development of Internet technology, more and more traditional industries gradually cut into the Internet from various angles. Among them, the combination of traditional supply chain finance model, commercial bank credit model and Internet technology forms the online supply chain finance model based on the third party B2B e-commerce platform. In this mode, commercial banks cooperate with third party B2B e-commerce platform to provide online supply chain financing services for supply chain financing enterprises. Based on the online supply chain finance model of third-party B2B e-commerce platform, the Internet technology and the characteristics of different supply chains are deeply integrated to solve the financing difficulties of small and medium-sized enterprises. It also effectively reduces the information asymmetry between financing enterprises and commercial banks and reduces the credit risk of commercial banks. Since the emergence of this new model, the market scale has been continuously expanded, and the credit risk has been gradually exposed along with the expansion of the market scale. The effective control of credit risk not only affects the credit safety of commercial banks, but also determines whether the whole supply chain based on this model can operate smoothly. At present, the research in the field of online supply chain finance in China is still in the developing stage. The research has mainly focused on the concept of online supply chain finance, financing mode, risk identification, income judgment of all parties involved in online supply chain finance and so on. The credit risk evaluation of online supply chain finance based on third-party B2B platform is rare. At present, the demand for credit risk identification and evaluation of online supply chain finance based on third-party B2B platform is increasingly strong, but the current academic research on this issue is still relatively small. Therefore, this paper starts with the online supply chain financial business model based on the third party B2B platform, and analyzes the generation and operation mechanism of credit risk under this model by using relevant theories. On this basis, a risk evaluation index system which can combine quantitative and qualitative indexes of supply chain financial credit risk based on third-party B2B platform is constructed. Finally, through the analysis of the model and case, the validity and practicability of the research on the credit risk evaluation of the online supply chain based on the third party B2B platform are verified. According to the above research ideas, first, this paper will supply chain finance and online supply chain finance based on third party B2B platform in domestic and foreign research literature collation, The main business models of traditional supply chain finance and online supply chain finance based on third party B2B platform are summarized. Secondly, the theory of principal-agent theory, system theory, information asymmetry theory, financial vulnerability theory, self-compensation theory and supply chain risk management theory are used to analyze this model. It provides theoretical support for the identification of credit risk and the establishment of evaluation index system. Thirdly, based on the above theoretical analysis, the credit risk of the online supply chain finance based on the third party B2B platform is identified, and the evaluation index system of the credit risk under this model is established. Fourthly, based on the above credit risk evaluation index system, using entropy weight coefficient method and grey comprehensive evaluation method, the paper evaluates the credit risk of the financing enterprises participating in the online supply chain financial business based on the third party B2B platform. In order to verify the effectiveness and practicability of the credit risk evaluation system established in this paper, it can be used as a reference for commercial banks to choose to provide credit for financing enterprises under this model.
【學(xué)位授予單位】：上海社會(huì)科學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.4

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