中国汽车供应链金融与发展对策研究

发布时间：2018-01-04 01:04

本文关键词：中国汽车供应链金融与发展对策研究　出处：《西南财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着生产分工由“纵向一体化模式”转变为“供应链模式”,供应链管理这种致力于对由核心生产企业建立的整条供应链进行物流、资金流以及信息流全程控制、协调的管理方式受到了众多大型生产企业的推崇并使之在上世纪80年代得以快速发展,使得单一企业间的竞争逐步转变为了供应链间的竞争。而作为供应链管理的重要一环,供应链金融旨在通过对供应链上产、供、销全流程的物流、资金流和信息流的深入分析,为链上各节点企业提供有针对性的金融服务产品,不仅增强了供应链的整体竞争力,同时也为金融机构扩展业务范围、改善客户结构提供了新的渠道。汽车行业因其自身具备的产业经济拉动效应,是中国供应链管理发展较早且较完善的产业之一。随着供应链管理理念在中国汽车产业的扎根发芽,对汽车供应链金融的需求也日益迫切。自2005年起,各大商业银行纷纷试水汽车供应链金融并在不断创新过程中逐步形成了各自特点。如今,中国汽车供应链金融已基本实现对汽车产业链上主要节点的业务覆盖,为整车制造商、上游供应商、汽车分销商、商业银行及物流公司创造了难得的多方共赢局面。虽然汽车供应链金融在中国发展势头强劲且仍具备较大的发展空间,但不可忽视的事实是,中国供应链金融短短走过10年光景,在授信管理、法律保障、技术支持、物流监管、信用体系等方面均存在诸多盲点和缺陷,亟待商业银行及相关职能部门进一步完善、改革。可以说,中国汽车供应金融,乃至供应链金融仍有许多空白之处需要继续探索。本文从商业银行的角度出发,在深入分析中国汽车供应链特征的前提下,总结了汽车供应链金融在中国的典型应用模式,以供应链节点进行归纳,主要介绍了应收账款融资模式、订单融资模式、商票保贴融资模式、预付款融资模式、动产质押融资模式以及退款融资模式,并根据各个模式具体业务流程及操作特点逐一分析其存在的风险因素及防范措施。在此基础上,本文分析当前汽车供应链金融存在的主要问题并提供了笔者的相应对策,主要包括：建议专业的供应链金融风险管理体制,开发汽车供应链金融信息技术平台,促进物流业加快发展,建立健全法律法规等,为中国汽车产业的持续健康发展贡献金融力量,为汽车供应链金融的进一步发展提供方向,同时也为商业银行开展供应链金融创新提供参考价值。
[Abstract]:With the division of labor changing from "vertical integration mode" to "supply chain mode", supply chain management is dedicated to the logistics of the entire supply chain established by the core production enterprises. Capital flow and information flow control, coordinated management by many large production enterprises praised and made it develop rapidly in -20s. As an important part of supply chain management, supply chain finance aims to supply, supply and sell the whole flow of logistics in the supply chain. The in-depth analysis of capital flow and information flow not only enhances the overall competitiveness of the supply chain, but also expands the scope of business for the financial institutions. Improved customer structure provides new channels. The automobile industry is one of the earlier and more perfect industries of supply chain management in China because of its own industrial economic pull effect, with the concept of supply chain management taking root in China's automobile industry. Since 2005, the commercial banks have been experimenting with automobile supply chain finance and gradually forming their own characteristics in the process of continuous innovation. The Chinese automobile supply chain finance has basically realized the service coverage to the main nodes in the automobile industry chain, for the whole vehicle manufacturer, the upstream supplier, the automobile distributor. Commercial banks and logistics companies have created a rare multi-win situation. Although the automobile supply chain finance has a strong development momentum in China and still has a large space for development, it can not be ignored the fact that China's supply chain finance has gone through a short period of 10 years, in credit management, legal protection. Technical support, logistics supervision, credit system and other aspects have many blind spots and defects, it is urgent for commercial banks and related functional departments to further improve and reform. Even supply chain finance still has a lot of blank place need to continue to explore. From the point of view of commercial banks, this paper summarizes the typical application mode of automobile supply chain finance in China under the premise of deeply analyzing the characteristics of Chinese automobile supply chain, and sums up the typical application mode of automobile supply chain finance in China. Mainly introduced the accounts receivable financing model, the order financing model, the commercial ticket guarantee paste financing mode, the advance payment financing pattern, the movable property pledge financing pattern as well as the refund financing pattern. And according to the specific business processes and operational characteristics of each model one by one analysis of its risk factors and preventive measures. On this basis. This paper analyzes the main problems existing in the automotive supply chain finance and provides the corresponding countermeasures, including: proposing a professional supply chain financial risk management system, developing the automotive supply chain financial information technology platform. Promote the logistics industry to accelerate the development of the establishment of sound laws and regulations for the sustainable and healthy development of the Chinese auto industry contribution to the financial strength for the further development of automotive supply chain finance to provide direction. At the same time, it also provides reference value for commercial banks to carry out supply chain financial innovation.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F426.471;F274

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