云服务下核心企业的供应链融资模式研究

发布时间：2018-05-15 12:04

本文选题：云服务 + 大数据　；参考：《杭州电子科技大学》2017年硕士论文

【摘要】：中小企业融资难是当前社会的热点,供应链融资是一种可以解决中小企业融资难的新型融资方式。目前供应链融资的研究视角主要是从商业银行的角度出发,商业银行在信息技术的助力之下,完成了从传统的线下供应链融资模式转变为线上的银行电子供应链金融,虽然这个转变使得供应链融资的效率得到提升,但是为了降低信贷的风险,银行需要详细审查中小企业的情况,还要不时监控中小企业的经营状况,对于银行来说难度比较大,成本比较高,融资效率进一步的提升就显得较为困难。而以核心企业为主的供应链融资的研究视角较少。随着大数据和云服务的蓬勃发展,数据收集和数据分析的能力大大加强,核心企业通过打造云服务平台使得供应链管理系统能随时收集和分析供应链上企业的信息与数据,从而弱化银行和供应链上企业的信息不对称,降低其中的交易成本和委托代理成本,通过打造一个高度自动化、自助化、平台化的供应链融资平台来提高供应链融资的效率,弥补商业银行的供应链融资模式所存在的缺陷,进而促进供应链融资的发展,解决中小企业融资难的问题。本文分为六个部分:第一部分说明研究的背景、目的与意义以及研究的创新点。第二部分是概念的界定与文献综述,云服务的基本概念和供应链融资的基本概念以及供应链融资的产生、发展和信息技术对供应链融资的影响的文献综述。第三部分是理论框架,介绍本文的信息不对称理论、供应链管理理论、交易成本理论、委托代理理论、云服务和大数据理论这五大理论以及五大理论对供应链融资的影响和理论分析框架。第四部分是云服务下核心企业供应链融资的模式设计,介绍整个融资模式设计的框架。第五部分是案例分析,介绍DH公司通过打造云服务平台,设计出三种供应链融资模式,分别是电子商票融资模式、远期支付结算供应链融资模式、电子票据池融资模式,然后是DH公司的供应链融资的效果分析。第六部分是对策与建议,针对整个供应链融资模式的研究所存在的缺陷,比如商业银行的参与度不够,核心企业的供应链融资模式的完整度不够等等,从政府、银行、核心企业、中小企业这几个层面提出对策建议。
[Abstract]:The financing difficulty of small and medium-sized enterprises is a hot spot in the society at present. Supply chain financing is a new financing method which can solve the financing difficulties of small and medium-sized enterprises. At present, the research angle of supply chain financing is mainly from the angle of commercial banks. With the help of information technology, commercial banks have completed the transformation from the traditional offline supply chain financing mode to the online banking electronic supply chain finance. Although this change has increased the efficiency of supply chain financing, in order to reduce the risk of credit, banks need to examine the situation of small and medium-sized enterprises in detail, and from time to monitor the operation of small and medium-sized enterprises, which is more difficult for banks. The cost is relatively high, financing efficiency further promotion appears to be more difficult. However, the research angle of supply chain financing based on core enterprises is less. With the rapid development of big data and cloud services, the capability of data collection and data analysis is greatly enhanced. The core enterprises can collect and analyze the information and data of enterprises in the supply chain at any time by building cloud service platform. In order to weaken the information asymmetry of banks and enterprises in supply chain, reduce the transaction cost and principal-agent cost, and improve the efficiency of supply chain financing by creating a highly automated, self-help and platform-oriented supply chain financing platform. This paper makes up for the deficiency of the supply chain financing mode of commercial banks, and then promotes the development of supply chain financing, and solves the problem of financing difficulty for small and medium-sized enterprises. This paper is divided into six parts: the first part explains the background, purpose and significance of the research as well as the innovation of the research. The second part is the definition of concept and literature review, the basic concept of cloud services and the basic concept of supply chain financing, the emergence of supply chain financing, development and information technology on the impact of supply chain financing literature review. The third part is the theoretical framework, which introduces the information asymmetry theory, supply chain management theory, transaction cost theory, principal-agent theory. The influence of cloud service and big data theory on supply chain financing and its theoretical analysis framework. The fourth part is the core enterprise supply chain financing model design under the cloud service, introduces the entire financing pattern design frame. The fifth part is the case analysis, introduces DH company through creating cloud service platform, designs three supply chain financing modes, namely electronic business ticket financing mode, forward payment settlement supply chain financing mode, electronic bill pool financing mode. Then is the DH company's supply chain financing effect analysis. The sixth part is the countermeasures and suggestions for the research of the entire supply chain financing model, such as the lack of participation of commercial banks, the integrity of the supply chain financing model of core enterprises, etc., from the government, banks, Core enterprises, small and medium-sized enterprises these several levels put forward countermeasures and suggestions.
【学位授予单位】：杭州电子科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F49;F274;F275

【参考文献】