發(fā)布時(shí)間：2018-01-07 07:12

  本文關(guān)鍵詞：物聯(lián)網(wǎng)技術(shù)對(duì)供應(yīng)鏈金融業(yè)務(wù)的影響與對(duì)策　出處：《山東社會(huì)科學(xué)》2017年06期 　論文類(lèi)型：期刊論文

  更多相關(guān)文章： 物聯(lián)網(wǎng) 供應(yīng)鏈金融 成本 風(fēng)險(xiǎn)

【摘要】：供應(yīng)鏈金融業(yè)務(wù)是商業(yè)銀行以供應(yīng)鏈上的主導(dǎo)企業(yè)為核心,以供應(yīng)鏈上的真實(shí)交易為背景,面向供應(yīng)鏈上的企業(yè)提供的以動(dòng)產(chǎn)抵押貸款為主的短期金融業(yè)務(wù)。我國(guó)商業(yè)銀行由于受傳統(tǒng)經(jīng)營(yíng)觀念與服務(wù)模式的影響以及信息不對(duì)稱(chēng)的約束,在信息技術(shù)高速發(fā)展的背景下其經(jīng)營(yíng)效率和抗風(fēng)險(xiǎn)能力都有待提高。對(duì)此,商業(yè)銀行將物聯(lián)網(wǎng)技術(shù)引入供應(yīng)鏈金融業(yè)務(wù)中,可以解決信息不對(duì)稱(chēng)帶來(lái)的約束和風(fēng)險(xiǎn),而且在業(yè)務(wù)成本與風(fēng)險(xiǎn)方面都會(huì)給供應(yīng)鏈金融業(yè)務(wù)帶來(lái)積極的影響。對(duì)策建議:以核心企業(yè)為試點(diǎn),逐步將物聯(lián)網(wǎng)技術(shù)引入供應(yīng)鏈金融業(yè)務(wù)中;建立應(yīng)急處理機(jī)制,完備預(yù)警系統(tǒng)和各項(xiàng)應(yīng)急預(yù)案,加強(qiáng)由物聯(lián)網(wǎng)技術(shù)引入可能的風(fēng)險(xiǎn)防控。
[Abstract]:Supply chain financial business is a commercial bank with the leading enterprises in the supply chain as the core, and the real transaction in the supply chain as the background. The short-term financial business which is mainly provided by the enterprises in the supply chain. The commercial banks of our country are restricted by the traditional management concept and service mode and the information asymmetry. In the context of the rapid development of information technology, its management efficiency and anti-risk ability need to be improved. Therefore, commercial banks will introduce the Internet of things technology into the supply chain financial business. It can solve the constraints and risks brought by asymmetric information, and will bring positive impact on the supply chain financial business in terms of business costs and risks. Gradually introduce the Internet of things technology into the supply chain finance business; Establish emergency mechanism, complete early warning system and emergency plan, strengthen the introduction of possible risk prevention and control by Internet of things technology.
【正文快照】： 2017 年第 6 期 山 東 社 會(huì) 科 學(xué) No．6 總第 262 期 SHANDONG SOCIAL SCIENCES General No．262 收稿日期: 2016－11－26 作者簡(jiǎn)介: 潘婭媚，女，，河南工業(yè)貿(mào)易職業(yè)學(xué)院貿(mào)易經(jīng)濟(jì)系副教授 。 物聯(lián)網(wǎng)技術(shù)對(duì)供應(yīng)鏈金融業(yè)務(wù)的影響與對(duì)策 潘婭媚 ( 河南

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