制造商主导的供应链融资短期支付模型研究
发布时间：2019-01-22 15:02
【摘要】：随着我国市场经济的迅速发展，中小企业在国民经济中占有越来越重要地位，但是中小企业的融资却越来越困难。2009年金融危机导致很多出口导向型中小企业，因融资困难资金链断裂而纷纷倒闭，更突显了这一问题的严峻性。供应链金融的提出，为中小企业融资提供了有效途径。特别在金融危机之后生产恢复的背景下，中小企业如何通过供应链财务上的协作获取融资，以及如何安排生产使效益更大；商业银行如何在保证贷款安全的前提下，通过有限的贷款资源帮助更多中小企业恢复生产；如何提出更具操作性的供应链金融模式，给中小企业融资提供参考，将是本文重点解决的问题。 本文正是研究了供应链金融中一种新的融资模式。在一个由制造商、批发商和商业银行组成的供应链金融系统中，在独立融资模式下，制造商、批发商分别独立地向银行申请贷款；协作融资模式下，由批发商协同制造商共同向商业银行提出融资需求，并在银行设立监管账户，获取贷款作为定金支付给制造商以启动生产。本文将通过数学模型建立批发商、制造商及商业银行的利润函数，对比两种模式下的利润情况，以论证协作融资模式：对于供应链而言，减少了贷款总额，节约了利息支出，使供应链各方获得更高利润；对于商业银行，它可以节约贷款资源，有利于拓展其他贷款业务；对于国民经济来说，可以促进生产，带来更多经济效益，增加国民生产总值。在深入分析结论以及模型仿真结果分析的基础上，进一步提出模型的应用建议以及管理对策。 本文采取理论与实证相结合，，实验研究以及比较分析的方法，通过设定模型变量数值，构建仿真案例进行仿真分析。对比在不同融资方式下，制造商、批发商和商业银行的利润大小，试图论证在本文提出的协作融资模式下，对于供应链各方都更优。最后从管理学的角度，结合实践提出模型的应用建议，以及为金融危机后中小企业融资、生产安排及银行贷款资源分配等问题提供管理对策。
[Abstract]:With the rapid development of China's market economy, SMEs play an increasingly important role in the national economy, but the financing of SMEs is becoming more and more difficult. Because of financing difficulties, the financial chain broke and closed down one after another, highlighting the seriousness of the problem. The proposal of supply chain finance provides an effective way for SMEs to finance. Especially in the context of the recovery of production after the financial crisis, how to obtain financing through financial cooperation in the supply chain, and how to arrange production to make more benefit; How to ensure the loan safety of commercial banks, through the limited loan resources to help more small and medium-sized enterprises to resume production; How to put forward a more operable supply chain finance model to provide reference for SMEs financing will be the key problem to be solved in this paper. This paper studies a new financing model in supply chain finance. In a supply chain financial system composed of manufacturers, wholesalers and commercial banks, manufacturers and wholesalers apply for loans from banks independently under the independent financing model. In the cooperative financing mode, wholesalers together with manufacturers put forward financing needs to commercial banks, and set up regulatory accounts in the banks to obtain loans and pay to manufacturers as a deposit to start production. In this paper, the profit function of wholesaler, manufacturer and commercial bank is established by mathematical model, and the profit of the two models is compared to prove the cooperative financing model: for the supply chain, the loan amount is reduced, and the interest expense is saved. (B) to make the parties in the supply chain more profitable; For commercial banks, it can save loan resources and expand other loan business; for national economy, it can promote production, bring more economic benefits, and increase gross national product. On the basis of deep analysis of conclusions and simulation results of the model, the application suggestions and management countermeasures of the model are put forward. This paper adopts the method of combining theory and demonstration, experimental research and comparative analysis, through setting model variable numerical value, build simulation case to carry on simulation analysis. By comparing the profit of manufacturers wholesalers and commercial banks under different financing modes this paper tries to prove that the cooperative financing model proposed in this paper is better for all parties in the supply chain. Finally, from the point of view of management, the paper puts forward some suggestions for the application of the model, and provides management countermeasures for the financing, production arrangement and bank loan resource allocation of SMEs after the financial crisis.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F274;F275;F276.3
[Abstract]:With the rapid development of China's market economy, SMEs play an increasingly important role in the national economy, but the financing of SMEs is becoming more and more difficult. Because of financing difficulties, the financial chain broke and closed down one after another, highlighting the seriousness of the problem. The proposal of supply chain finance provides an effective way for SMEs to finance. Especially in the context of the recovery of production after the financial crisis, how to obtain financing through financial cooperation in the supply chain, and how to arrange production to make more benefit; How to ensure the loan safety of commercial banks, through the limited loan resources to help more small and medium-sized enterprises to resume production; How to put forward a more operable supply chain finance model to provide reference for SMEs financing will be the key problem to be solved in this paper. This paper studies a new financing model in supply chain finance. In a supply chain financial system composed of manufacturers, wholesalers and commercial banks, manufacturers and wholesalers apply for loans from banks independently under the independent financing model. In the cooperative financing mode, wholesalers together with manufacturers put forward financing needs to commercial banks, and set up regulatory accounts in the banks to obtain loans and pay to manufacturers as a deposit to start production. In this paper, the profit function of wholesaler, manufacturer and commercial bank is established by mathematical model, and the profit of the two models is compared to prove the cooperative financing model: for the supply chain, the loan amount is reduced, and the interest expense is saved. (B) to make the parties in the supply chain more profitable; For commercial banks, it can save loan resources and expand other loan business; for national economy, it can promote production, bring more economic benefits, and increase gross national product. On the basis of deep analysis of conclusions and simulation results of the model, the application suggestions and management countermeasures of the model are put forward. This paper adopts the method of combining theory and demonstration, experimental research and comparative analysis, through setting model variable numerical value, build simulation case to carry on simulation analysis. By comparing the profit of manufacturers wholesalers and commercial banks under different financing modes this paper tries to prove that the cooperative financing model proposed in this paper is better for all parties in the supply chain. Finally, from the point of view of management, the paper puts forward some suggestions for the application of the model, and provides management countermeasures for the financing, production arrangement and bank loan resource allocation of SMEs after the financial crisis.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F274;F275;F276.3
【参考文献】
相关期刊论文 前10条
1 贾涛;张灿荣;徐渝;;基于供应商努力的供应链代销加收入分享策略[J];管理科学;2007年05期
2 陈祥锋;朱道立;应雯s
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