基于OOPN的线上供应链金融交易联动机理研究

发布时间：2018-05-19 12:06

本文选题：线上供应链金融 + 交易联动　；参考：《武汉理工大学》2013年硕士论文

【摘要】：在我国经济转型期资金闲置与中小企业融资难的背景下,结合国内外线上供应链金融信息化与专业化平台发展趋势,立足满足供应链企业融资的在线响应需求和实现端到端供应链融资的决策支持的需求,本文研究线上供应链金融交易联动问题。虽然平安银行、中信银行、招商银行等先后推出“线上供应链金融”或“电子供应链金融”等平台来实现预付账款类、存货类和应收账款类融资等线上供应链金融服务,但各大银行各自为政,加上其商业模式容易被复制,致使整个行业同质化竞争现象严重。业务模式繁多而流程非标准化、操作环节风险控制较少、产品风险定价难度大等问题凸显。线上供应链金融是一种互联网金融产品,具有典型的交易性融资产品的特点,整个交易过程是在相应的触发条件下,按照一定时序而顺序/并发/条件执行的原子交易的服务组合。对此,本文应用面向对象的Petri网(OOPN:Object-Oriented Petri Net)方法,通过对业务流程的分解,剖析商流、物流、资金流、信息流的流转如何促使线上供应链金融交易联动,以直观描述线上供应链金融预付账款类、存货类和应收账款类融资的交易联动内在机理,使线上供应链金融向业务流程标准化和风险过程控制与定价的有序方向运行和平台繁荣化方向发展。概括起来,本文的主要内容以及创新点如下： (1)揭示线上供应链金融的交易联动性特点,指出线上供应链金融交易是由电子商务交易、在线支付交易、在线融资交易、在线物流交易等相互作用而构成的复杂系统,是典型的交易性融资业务；应用OOPN方法构建了线上供应链金融系统结构模型,并分析了线上供应链金融系统的交易联动性属性。 (2)采用OOPN方法对比分析预付账款类、存货类和应收账款类融资模式三大类别中典型融资模式交易联动过程,挖掘业务流程中的异同点和风险点,进而以业务模块可重用和风险控制为出发点,以线上供应链金融业务流程规范化为目的,分别构建线上供应链金融预付账款类、存货类和应收账款类融资模式的交易联动模型。 (3)提出线上供应链金融交易联动是线上供应链金融协同创新和风险控制的基础。本文认为,线上供应链金融交易联动促进业务协同,而基于交易联动过程的操作风险、供应链的整体信用风险和中小企业交易性信用风险是线上供应链金融独特的风险,应从交易过程中风险识别的关键点来进行防控,为线上供应链金融产品风险定价研究奠定了基础。
[Abstract]:Under the background of idle funds and financing difficulties for small and medium-sized enterprises in China's economic transition period, combined with the development trend of domestic and foreign online supply chain financial informatization and specialization platform, Based on the online response demand of supply chain enterprise financing and the demand of end-to-end supply chain financing decision support, this paper studies the online supply chain financial transaction linkage problem. Although Ping an Bank, CITIC Bank and China Merchants Bank have successively launched platforms such as "online supply chain finance" or "electronic supply chain finance" to implement online supply chain financial services such as pre-payment, inventory and receivables financing. But the banks are doing their own thing, and their business model is easy to be copied, which makes the whole industry homogenous competition. Many business models and non-standardized processes, less operational risk control, product risk pricing is difficult to highlight. On-line supply chain finance is an Internet financial product with the characteristics of typical transactional financing products. The whole transaction process is under the corresponding trigger conditions. A combination of services for atomic transactions performed in order / concurrency / condition according to a given sequence. In this paper, the object-oriented Petri net / Object-Oriented Petri net method is used to analyze how the flow of business flow, material flow, capital flow and information flow can promote the financial transaction of online supply chain by decomposing the business process, and analyzing how the flow of business flow, material flow, capital flow and information flow can promote the linkage of online supply chain financial transactions. This paper describes the transaction linkage mechanism of financial prepayment, inventory and accounts receivable financing in online supply chain. It makes the online supply chain finance develop towards the standardization of business process, the orderly direction of risk process control and pricing, and the prosperity of platform. To sum up, the main contents and innovations of this paper are as follows: This paper reveals the characteristics of online supply chain financial transaction, and points out that online supply chain financial transaction is a complex system composed of electronic commerce transaction, online payment transaction, online financing transaction, online logistics transaction and so on. This paper applies OOPN method to construct the structural model of online supply chain financial system, and analyzes the transaction linkage attribute of online supply chain financial system. (2) OOPN method is used to compare and analyze the transaction linkage process of typical financing modes in the three kinds of financing modes, such as prepaid accounts, inventory and receivable, and to excavate the similarities and differences and risk points in the business process. Based on the reusability and risk control of the business modules and the standardization of the online supply chain financial business process, the transaction linkage model of the online supply chain financial prepayment, inventory and receivable financing modes is constructed respectively. 3) it is proposed that the online supply chain financial transaction linkage is the foundation of the online supply chain financial collaborative innovation and risk control. This paper holds that the online supply chain financial transaction linkage promotes business cooperation, and based on the operational risk of the transaction linkage process, the overall credit risk of the supply chain and the transaction credit risk of small and medium-sized enterprises are unique risks of online supply chain finance. Prevention and control should be carried out from the key points of risk identification in the course of transaction, which lays a foundation for the research of risk pricing of online supply chain financial products.
【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F752;F832

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