基于多Agent供应链融资伙伴的选择

发布时间：2018-05-01 06:00

本文选题：供应链融资 + 伙伴选择　；参考：《武汉理工大学》2014年硕士论文

【摘要】：供应链融资是以供应链整体为对象，依托供应链上的核心企业的信用额度，为其上下游配套的中小企业提供融资贷款的金融业务，通过真实的交易关系作为信用担保，核心企业的雄厚实力作为保障，解决中小企业融资难的问题。通过提供有效的融资业务能够提高供应链整体的稳定性，加强各成员间的合作关系，加深彼此的战略联盟关系。而且各节点企业在交易中的角色扮演不同，需要采取的融资方案不同，通过私人定制的金融产品服务可以提高其资金流动效率，减少资金的占用，通过信息平台的快速信息集成和反馈，对融资业务的开展具体情况进行监督和反馈，，降低各方参与主体的运营风险。供应链融资业务是金融产品的创新，在供应链管理中有较大的发展空间，个性化的金融服务能够为金融企业和融资企业带来更多的利益空间。供应链融资在我国发展的近十年来已经取得一定成绩，但因为发展的年限有限，存在一些问题有待解决和完善。供应链融资作为一项金融业务，同样存在必不可少的信贷风险，而申请融资业务的中小企业的自身信用状况是评价业务是否可以受理的主要依据。信用决策是建立在相对可信的信用评价结果的基础之上，我国的信用体系至今还不完善，个人主观判断和情感因素起到很大的决定因素。本文旨在构建供应链融资伙伴选择的评价体系和选择模型。良好的合作伙伴有利于供应链整体的健康发展和共同效益的提升，通过科学、可行的指标选择开展融资业务的合作伙伴，从而降低供应链整体的风险水平，提高各方收益。本文论述了在选择融资伙伴过程中应当遵循的原则和具体流程，将供应链融资伙伴的选择分成两个步骤，先对供应链整体进行评价选择，再对供应链上有融资需求的企业进行选择。并结合融资伙伴选择的流程设计了相应的指标评价体系，从评价指标的层级中得到企业间的信用度在选择过程中的重要性，以此选择了本文供应链融资伙伴选择的方法。其次，从金融机构视角出发，将供应链融资伙伴的选择分成了两级，构建了融资伙伴选择的多Agent模型，通过多Agent协商对供应链进行选择，基于信任网构建融资企业的选择模型。最后针对供应链融资伙伴选择的过程和方法，阐述了在融资伙伴选择过程中的风险来源和类型，并提出了相应的风险防范措施。
[Abstract]:Supply chain financing is based on the credit line of the core enterprises in the supply chain, which provides financing loans for the SMEs in the upstream and downstream, and takes the real transaction relationship as the credit guarantee, and the supply chain financing is based on the supply chain as a whole, relying on the credit line of the core enterprises in the supply chain. The core enterprise's abundant strength serves as the safeguard, solves the small and medium-sized enterprise financing difficult question. By providing effective financing business, the overall stability of the supply chain can be improved, the cooperative relationship among members can be strengthened, and the strategic alliance relationship between each other can be deepened. Moreover, each node enterprise plays a different role in the transaction, and needs to adopt different financing schemes. Through private customized financial products and services, it can improve the efficiency of capital flow and reduce the use of funds. Through the rapid information integration and feedback of the information platform, the specific situation of the financing business is monitored and feedback, and the operation risk of the participants is reduced. Supply chain financing business is the innovation of financial products. There is a great space for development in supply chain management. Individualized financial services can bring more benefit space for financial enterprises and financing enterprises. Supply chain financing has made some achievements in the past ten years of development in China, but there are some problems to be solved and improved due to the limited number of years of development. As a financial business, supply chain financing also has essential credit risk, and the credit status of SMEs applying for financing business is the main basis to evaluate whether the business can be accepted or not. Credit decision is based on the results of relatively credible credit evaluation. The credit system of our country is still imperfect, and personal subjective judgment and emotional factors play a very important role. The purpose of this paper is to construct the evaluation system and selection model of supply chain financing partner selection. A good partner is conducive to the healthy development of the whole supply chain and the promotion of co-benefits. Through scientific and feasible indicators, we can select the partners to carry out financing business, so as to reduce the risk level of the whole supply chain and improve the income of all parties. This paper discusses the principles and specific processes to be followed in the process of selecting financing partners. The selection of supply chain financing partners is divided into two steps, and the whole supply chain is evaluated and selected. Then the supply chain on the financing needs of enterprises to choose. Combining with the process of financing partner selection, this paper designs the corresponding index evaluation system, obtains the importance of the credit degree among enterprises in the selection process from the evaluation index level, and selects the method of selecting the financing partner in the supply chain in this paper. Secondly, from the perspective of financial institutions, the selection of financing partners in supply chain is divided into two levels, and the multi- model of financing partner selection is constructed. Supply chain is selected through multi- negotiation, and the selection model of financing enterprises is constructed based on trust network. Finally, according to the process and method of financing partner selection in supply chain, this paper expounds the source and type of risk in the process of financing partner selection, and puts forward the corresponding risk prevention measures.
【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】：F274;F275

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