汽车产业供应链金融信用风险识别及博弈分析

发布时间：2018-04-27 03:06

本文选题：汽车产业 + 供应链金融　；参考：《武汉理工大学》2014年硕士论文

【摘要】：汽车产业是我国工业中的重点产业，在国民生产总值中占有很高的比重。伴随着汽车产业的高速发展，一些问题和矛盾也应运而生，，汽车产业供应链上中小企业融资难题日渐凸显。问题和机遇总是并存的，商业银行联手第三方物流监管企业以及供应链各节点企业开展供应链金融业务为化解这一产业瓶颈提供了新的思路和渠道。各大商业银行纷纷推出汽车产业供应链金融业务，以争夺汽车业庞大的客户资源。本文从供应链金融理论和汽车产业供应链金融信用风险管理现状为切入点，详细分析了供应链金融内涵、模式、特征优势，研究了汽车产业供应链金融主要的模式、运作机理和存在的信用风险。运用系统动力学理论建立了汽车产业供应链金融信用风险识别模型，结合汽车产业供应链运作的实际情况对信用风险致险因子进行了分析。其次构建了信用风险博弈模型，对链上融资企业由主体决策产生的博弈行为进行了详尽的推导，得出了参与各方之间的博弈模型。并以交通银行“厂商银”经销商融资解决方案为例，分析了防范汽车经销商与物流企业串谋，弱化信用风险的主要因子和途径。最后针对模型结果，从银行层面、融资企业层面和宏观政策环境层面对汽车产业供应链金融业务信用风险防范提出了对策建议。
[Abstract]:The automobile industry is the key industry in our country, which occupies a high proportion in the gross national product (GNP). With the rapid development of automobile industry, some problems and contradictions have emerged. The problems and opportunities always coexist. Commercial banks cooperate with the third party logistics supervision enterprises and supply chain enterprises to carry out the supply chain financial business, which provides a new way of thinking and channel to resolve the bottleneck of this industry. Major commercial banks have launched the automotive industry supply chain financial business, in order to compete for the automotive industry's huge customer resources. Based on the theory of supply chain finance and the current situation of credit risk management of automobile industry supply chain finance, this paper analyzes the connotation, mode and characteristic advantages of supply chain finance in detail, and studies the main mode of automobile industry supply chain finance. Operating mechanism and credit risk. The identification model of financial credit risk of automobile industry supply chain is established by using the theory of system dynamics, and the risk factors of credit risk are analyzed according to the actual situation of automobile industry supply chain operation. Secondly, the credit risk game model is constructed, and the game behavior of the financing enterprises on the chain is deduced in detail, and the game model between the parties involved is obtained. Taking the financing solution of bank of communications bank as an example, this paper analyzes the main factors and ways to prevent auto dealers from colluding with logistics enterprises and to weaken credit risk. Finally, according to the results of the model, from the bank level, financing enterprise level and macro policy environment level, the paper puts forward the countermeasures and suggestions to prevent the credit risk of the automobile industry supply chain financial business.
【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F426.471;F832.4;F224.32

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