信用类融资产品对电商供应链的影响研究

发布时间：2018-05-06 14:01

  本文选题：电商供应链 + 电商供应链金融　； 参考：《南京大学》2017年硕士论文

【摘要】：随着电子商务的快速发展,电商供应链中企业之间的供需关系变化加大,使得供应链上中小企业融资难问题更加突出,基于电子商务的供应链金融服务创新成为供应链管理中一个新的研究领域。电商企业凭借平台多年累积的信息优势开发出面向供应链上中小企业的融资产品,成为中小企业解决融资难问题的重要方式,同时也对供应链中企业之间的关系产生重要影响。那么电商企业开发的供应链融资产品对电商供应链将产生什么影响是本文研究的重点。本文结合国内外学者在供应链、供应链金融以及基于电子商务平台下的供应链融资等相关文献的研究,以苏宁和京东两家电商企业为例对电商供应链系统进行分析,理解电商供应链定义及其构成要素,通过介绍京东开发电商供应链融资产品的过程,文章阐释了电商供应链金融的定义,并对电商供应链金融中各参与主体的作用与一般供应链金融进行对比分析,接下来通过对京东和苏宁两家电商企业开发的供应链融资产品的理解,将电商供应链金融产品分为池融资类产品、动产质押类融资产品和信用类融资产品,并以信用类融资产品为例,对信用类融资产品进行全面分析,得出信用类融资产品既能解决电商供应链上中小企业的融资难问题,又能稳固供应链上企业的合作关系,吸引更多的中小企业入驻电商平台,对电商供应链的发展和稳定产生积极地影响。最后本文通过构建函数模型得到电商供应链中采用信用类融资产品比不采用信用类融资产品各参与企业获得的收益更高,证明了信用类融资产品更符合各参与方的意愿,比其它的融资方式更好,并以苏宁开发的"信速融"产品为例说明该产品对融资企业C和苏宁的影响,从而论证C企业采用"信速融"融资比其他融资方式会获得更高的收益的结论。本文运用定性研究和定量研究的方法分析信用类融资产品对电商供应链的影响。力图通过对电商供应链融资产品的全面探索,探究电商供应链融资产品对供应链中参与者及供应链整体的影响,同时通过对电商供应链融资产品的开发过程与融资产品的分类的探究,为电商企业开发供应链融资产品提供技术指导。
[Abstract]:With the rapid development of electronic commerce, the relationship between supply and demand between enterprises in e-commerce supply chain has increased, which makes the financing difficulties of small and medium-sized enterprises in the supply chain more prominent. Supply chain financial service innovation based on e-commerce has become a new research field in supply chain management. Based on the information advantage accumulated for many years, e-commerce enterprises develop financing products to SMEs in the supply chain, which becomes an important way for SMEs to solve the financing problem, and also has an important impact on the relationship between enterprises in the supply chain. So what effect the supply chain financing products developed by e-commerce enterprises will have on the ecommerce supply chain is the focus of this paper. Based on the research of domestic and foreign scholars in supply chain, supply chain finance and supply chain financing based on e-commerce platform, this paper takes JingDong and JingDong as examples to analyze the e-commerce supply chain system. Understanding the definition of e-commerce supply chain and its components, this paper introduces JingDong's process of developing e-commerce supply chain financing products, and explains the definition of ecommerce supply chain finance. And the role of various participants in e-commerce supply chain finance and general supply chain finance are compared and analyzed. Then, through the understanding of the supply chain financing products developed by JingDong and JingDong, The financial products of ecommerce supply chain are divided into pool financing products, chattel pledge financing products and credit financing products. Taking credit financing products as an example, credit financing products are comprehensively analyzed. It is concluded that credit financing products can not only solve the financing difficulties of SMEs in e-commerce supply chain, but also stabilize the cooperative relationship of enterprises in the supply chain, and attract more small and medium-sized enterprises to join the e-commerce platform. It has a positive impact on the development and stability of ecommerce supply chain. Finally, by constructing the function model, we find that the credit financing products in the ecommerce supply chain get higher income than the enterprises that do not use the credit financing products, which proves that the credit financing products are more in line with the wishes of the participants. It is better than other financing methods, and taking the product of "Xin Sui Fong" developed by Su Ning as an example to illustrate the impact of this product on the financing enterprises C and Su Ning, Therefore, the conclusion that C enterprises can obtain higher returns by using "fast financing" than other financing methods. This paper uses qualitative and quantitative methods to analyze the impact of credit financing products on e-commerce supply chain. This paper tries to probe into the influence of the supply chain financing products on the participants in the supply chain and the supply chain as a whole through the comprehensive exploration of the supply chain financing products of the ecommerce supply chain. At the same time, through the exploration of the development process and the classification of the financing products of the ecommerce supply chain, it provides the technical guidance for the e-commerce enterprises to develop the financing products of the supply chain.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F274
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本文编号：1852592