本文選題：供應(yīng)鏈金融　切入點(diǎn)：互聯(lián)網(wǎng)金融　出處：《浙江大學(xué)》2017年碩士論文

【摘要】：融資困難一直是困擾我國(guó)中小企業(yè)發(fā)展的首要問(wèn)題,供應(yīng)鏈金融成為解決這一問(wèn)題的有效方式。供應(yīng)鏈金融從產(chǎn)業(yè)鏈整體出發(fā)授信,將核心企業(yè)的信用注入中小企業(yè),解決了信息不對(duì)稱,但傳統(tǒng)供應(yīng)鏈金融仍存在資金支持不足等問(wèn)題�；ヂ�(lián)網(wǎng)背景下的供應(yīng)鏈金融參與主體更豐富,其中"網(wǎng)貸+供應(yīng)鏈金融"模式實(shí)現(xiàn)了網(wǎng)貸平臺(tái)資金端與供應(yīng)鏈中資產(chǎn)端的有效對(duì)接,提升了供應(yīng)鏈的資金周轉(zhuǎn)速度,同時(shí)也實(shí)現(xiàn)了網(wǎng)貸平臺(tái)的差異化發(fā)展。網(wǎng)貸平臺(tái)可以通過(guò)上市公司自建網(wǎng)貸平臺(tái)、上市公司與網(wǎng)貸機(jī)構(gòu)合作以及通過(guò)保理機(jī)構(gòu)對(duì)接網(wǎng)貸公司等方式,開(kāi)展以預(yù)付賬款融資、應(yīng)收賬款融資、存貨融資為主的供應(yīng)鏈金融服務(wù),盤活供應(yīng)鏈中的沉淀資金。本文選取了最早進(jìn)行供應(yīng)鏈金融的網(wǎng)貸平臺(tái)中瑞財(cái)富作為例進(jìn)行研究。2015年煤炭供應(yīng)鏈龍頭企業(yè)瑞茂通參股中瑞財(cái)富,成為中瑞財(cái)富主要的資產(chǎn)端來(lái)源。通過(guò)對(duì)中瑞財(cái)富供應(yīng)鏈金融發(fā)展歷程、業(yè)務(wù)模式、產(chǎn)品類型、風(fēng)控模式進(jìn)行分析,得出中瑞財(cái)富等網(wǎng)貸平臺(tái)在供應(yīng)鏈融資模式中起到了替代銀行等金融機(jī)構(gòu)的作用。相較于銀行等機(jī)構(gòu),網(wǎng)貸平臺(tái)審批流程快、數(shù)據(jù)分析能力強(qiáng),能夠利用平臺(tái)優(yōu)勢(shì)實(shí)現(xiàn)物流、商流、資金流、信息流的的融合。隨著大數(shù)據(jù)技術(shù)、云計(jì)算、區(qū)塊鏈等互聯(lián)網(wǎng)技術(shù)的不斷成熟和發(fā)展,互聯(lián)網(wǎng)與供應(yīng)鏈的融合將會(huì)不斷加深,數(shù)據(jù)和專業(yè)化服務(wù)將會(huì)是未來(lái)供應(yīng)鏈金融的發(fā)展趨勢(shì),供應(yīng)鏈中各個(gè)參與主體的合作將會(huì)更加密切。
[Abstract]:Financing difficulties have always been the most important problem in the development of small and medium-sized enterprises in China. Supply chain finance has become an effective way to solve this problem. Supply chain finance grants credit from the industrial chain as a whole and infuses the credit of core enterprises into small and medium-sized enterprises. It solves the problem of asymmetric information, but the traditional supply chain finance still has insufficient fund support and so on. The "net loan supply chain finance" mode realizes the effective connection between the capital end of the network loan platform and the asset side of the supply chain, and improves the speed of the capital turnover of the supply chain. At the same time, it has realized the differentiation development of the network loan platform. The network loan platform can build the network loan platform by the listed company, the listed company cooperates with the network loan organization, and through the factoring organization docking the network loan company, the network loan platform can carry out the financing in advance account. Accounts receivable financing, inventory financing, supply chain financial services, In this paper, the author takes Zhongrui Wealth, the earliest online loan platform for supply chain finance, as an example. In 2015, Rui Maotong, a leading enterprise in coal supply chain, participated in Zhongrui Wealth, a leading enterprise in the coal supply chain. Through the analysis of the financial development course, business model, product type, risk control mode of the supply chain of the wealth of China and Switzerland, Compared with the banks and other institutions, the network loan platform has a fast approval process, strong data analysis ability, and can use the platform advantages to achieve logistics, compared with the banks and other institutions, the network loan platform plays a role in replacing banks and other financial institutions in the supply chain financing mode. The convergence of business flow, capital flow and information flow. With the development of big data technology, cloud computing, block chain and other Internet technologies, the integration of Internet and supply chain will continue to deepen. Data and specialized services will be the development trend of supply chain finance in the future.
【學(xué)位授予單位】：浙江大學(xué)
【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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