本文關(guān)鍵詞：信用微證的開(kāi)發(fā)與應(yīng)用推廣　出處：《深圳大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 信用微證 互聯(lián)網(wǎng) 平臺(tái) 大數(shù)據(jù) 結(jié)算

【摘要】：2008年金融危機(jī)之后,外貿(mào)形勢(shì)嚴(yán)峻,中國(guó)進(jìn)出口貿(mào)易開(kāi)始面臨困境。大量企業(yè)開(kāi)始嘗試轉(zhuǎn)戰(zhàn)國(guó)內(nèi)市場(chǎng),隨后國(guó)內(nèi)市場(chǎng)發(fā)展迅速,國(guó)內(nèi)異地結(jié)算需求、融資需求也因此開(kāi)始猛增。國(guó)內(nèi)貿(mào)易結(jié)算業(yè)務(wù)規(guī)模不斷擴(kuò)大,但是顯然,目前已有的國(guó)內(nèi)貿(mào)易結(jié)算方式或多或少都存在一些缺陷或者使用風(fēng)險(xiǎn),這些問(wèn)題也限制了國(guó)內(nèi)貿(mào)易的發(fā)展。與此同時(shí),互聯(lián)網(wǎng)技術(shù)正在飛速發(fā)展,并滲透式的融入人們生活,改變著人們的生產(chǎn)生活方式。信息通信技術(shù)、大數(shù)據(jù)、云計(jì)算等技術(shù)的進(jìn)步,實(shí)現(xiàn)了互聯(lián)網(wǎng)技術(shù)與各行各業(yè)的融合發(fā)展,促進(jìn)了傳統(tǒng)行業(yè)的轉(zhuǎn)型升級(jí)�；ヂ�(lián)網(wǎng)金融更是因此發(fā)展的如火如荼,互聯(lián)網(wǎng)銀行也在為人們提供更為方便快捷的生活。與此同時(shí),國(guó)內(nèi)貿(mào)易市場(chǎng)越來(lái)越成熟完善,全社會(huì)信用情況越來(lái)越好。在這一大背景下,各類新興支付結(jié)算工具也如雨后春筍般誕生。本文考慮以現(xiàn)有國(guó)內(nèi)貿(mào)易結(jié)算方式中優(yōu)勢(shì)最為明顯的國(guó)內(nèi)信用證方式為主要參考基礎(chǔ),借鑒阿里巴巴的信用保障體系思路,運(yùn)用互聯(lián)網(wǎng)技術(shù),依靠成熟的互聯(lián)網(wǎng)金融公司,開(kāi)發(fā)出一款新的便利國(guó)內(nèi)中小企業(yè)交易結(jié)算的信用支付方式,本文稱之為“信用微證”,并根據(jù)信用微證業(yè)務(wù)特點(diǎn)及需要,設(shè)計(jì)開(kāi)發(fā)一個(gè)信用微證的專用平臺(tái),稱之為“信用微證平臺(tái)”。平臺(tái)可以幫助企業(yè)辦理交易的全套支付結(jié)算手續(xù),并聯(lián)系轉(zhuǎn)運(yùn)貨物。這種方式能夠以最大程度簡(jiǎn)化結(jié)算業(yè)務(wù)流程,提高效率,降低企業(yè)使用成本,在為企業(yè)帶來(lái)便利的同時(shí),也為互聯(lián)網(wǎng)金融平臺(tái)開(kāi)創(chuàng)了新的業(yè)務(wù)方式。本文設(shè)計(jì)的信用微證平臺(tái)以人民幣為結(jié)算貨幣,由于人民幣已經(jīng)加入SDR,人民幣勢(shì)必會(huì)變得越來(lái)越國(guó)際化,未來(lái)該平臺(tái)甚至可直接結(jié)算國(guó)際貿(mào)易中以人民幣作為結(jié)算貨幣的業(yè)務(wù),發(fā)展前景廣闊。本文從信用證、銀行承兌匯票、匯付等現(xiàn)有國(guó)內(nèi)結(jié)算方式說(shuō)起,比對(duì)各種交易方式的優(yōu)缺點(diǎn),得出需要設(shè)計(jì)開(kāi)發(fā)一種新的結(jié)算方式的結(jié)論;然后本文分析了開(kāi)發(fā)新結(jié)算方式所需的技術(shù)基礎(chǔ),構(gòu)想搭建一個(gè)平臺(tái)并設(shè)計(jì)出平臺(tái)結(jié)算的流程以及模擬平臺(tái)運(yùn)行的過(guò)程;最后,文章分析了要應(yīng)用這個(gè)平臺(tái)所需的政策環(huán)境,推廣該平臺(tái)的策略等。
[Abstract]:In 2008, after the financial crisis, the foreign trade situation was severe, and China's import and export trade began to face difficulties. A large number of enterprises began to try to switch to the domestic market, and then the domestic market developed rapidly, and the domestic settlement demand from different places began. Domestic trade settlement business has been expanding, but obviously, the existing domestic trade settlement more or less has some defects or use risks. These problems also limit the development of domestic trade. At the same time, Internet technology is rapidly developing, and infiltrating into people's lives, changing people's production and lifestyle. Information and communication technology, big data. Cloud computing and other technologies have achieved the integration of Internet technology and various industries, promoting the transformation and upgrading of traditional industries. Internet finance is thus in full swing. Internet banking is also providing people with a more convenient and fast life. At the same time, the domestic trade market is more and more mature, the whole society credit situation is getting better and better. Under this background. A variety of emerging payment and settlement tools are also springing up. This paper considers the most obvious advantages of the existing domestic trade settlement methods as the main reference basis. Drawing lessons from Alibaba's credit guarantee system, using Internet technology, relying on mature Internet financial companies, develop a new credit payment method to facilitate the transaction and settlement of small and medium-sized enterprises in China. This paper calls it "credit micro card", and according to the characteristics and needs of credit micro card business, design and develop a special platform of credit micro card. Known as the "micro-credit platform", the platform can help enterprises complete payment and settlement procedures for transactions, and contact transhipment cargo. This approach can simplify settlement business processes to the greatest extent and improve efficiency. To reduce the cost of use of enterprises, while bringing convenience to enterprises, but also for the Internet financial platform to create a new business mode. This paper designed a micro-credit platform with RMB as the settlement currency. As the RMB has joined the SDR, the RMB will become more and more international. In the future, the platform can even directly settle the RMB as the settlement currency in international trade. This paper starts with the existing domestic settlement methods, such as letter of credit, bank acceptance bill, remittance payment and so on. Compared with the advantages and disadvantages of various transaction methods, the paper draws the conclusion that it is necessary to design and develop a new settlement method. Then this paper analyzes the technical basis of developing the new settlement mode, designs a platform and designs the process of platform settlement and the process of simulating the platform operation. Finally, the paper analyzes the policy environment needed to apply the platform, and popularizes the strategy of the platform.
【學(xué)位授予單位】：深圳大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2;F724.6

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