XX电商平台供应链金融模式研究

发布时间：2018-01-26 04:30

本文关键词： 供应链金融电子商务互联网金融　出处：《郑州大学》2017年硕士论文　论文类型：学位论文

【摘要】：中小微企业作为我国经济最具活力的组成部分,对我国经济发展和社会稳定有着举足轻重的作用。长期以来,中小微企业受制于经营不规范、财务报表和信用信息不健全、缺乏有效的抵押担保措施,难以通过银行获取贷款,存在普遍的融资难问题。供应链金融由于根据供应链内商品的商贸流程与供应链核心企业的运营状态和信用水平运行,不再强调授信企业的行业、规模和固定资产价值、财务报表与保证措施,有助于解决中小微企业融资问题。电商平台凭借交易大数据积累形成的信用评估机制能够有效解决融资中信息不对称问题。因此,以XX电商平台供应链金融模式作为案例,采取定性、定量相结合的方式,研究互联网环境下供应链金融的发展与改良有较大的研究价值和实践意义。研究首先以XX电商平台的供应链商业模式作为切入点,结合XX电商平台供应链金融发展历程对XX电商平台供应链金融模式进行梳理,分析该模式在业务体系、产品类型、客户群体、运作流程、风控管理、资金来源方面的特点。然后,从解决信息不对称、提升信贷效率、降低交易成本等角度对XX电商平台供应链金融模式的价值进行了评价。接下来分析了该模式的缺陷主要体现为,业务主体身份不适格,资金来源受到限制,业务范围与对象集中单一,风险管理机制不健全。最后从转变业务主体,扩大资金来源,拓展业务范围,完善外部征信和资金监管,开拓金融服务外包业务等方面提出该模式改进的建议。根据以上研究表明:第一,XX电商平台供应链金融模式通过互联网整合电商平台积累的交易数据、信用信息,利用大数据技术进行分析,形成了在线客户信用评价和风险管理体系,既提升信贷效率、降低信贷交易成本,又解决了融资信息不对称,实现了平台金融业务和电子商务业务互相促进。第二,XX电商平台供应链金融模式的核心缺陷在于缺乏合适的经营主体,造成资金来源不足,同时客户过于单一和部分风险管理环节的缺失也制约了其发展。第三,XX电商平台供应链金融模式改进的首要任务是参与民营银行试点,并拓宽资金来源、强化外部征信和资金监控,充分发挥供应链信息流和物流管理方面的优势从供应链拓展和突破平台界限两个角度开拓新业务。
[Abstract]:As the most dynamic part of our economy, small and medium-sized enterprises play an important role in our country's economic development and social stability. For a long time, small and medium-sized enterprises have been restricted by non-standard management. Financial statements and credit information are not sound, lack of effective mortgage guarantee measures, difficult to obtain loans through banks. Supply chain finance does not emphasize the industry of credit enterprises because of the operation state and credit level of the core enterprises in the supply chain according to the commercial flow of the commodities in the supply chain and the operation state of the core enterprises in the supply chain. Scale and value of fixed assets, financial statements and assurance measures. E-commerce platform can solve the problem of asymmetric information in financing by means of credit evaluation mechanism formed by transaction big data accumulation. Taking the supply chain finance model of XX e-commerce platform as a case, it adopts the combination of qualitative and quantitative methods. It is of great value and practical significance to study the development and improvement of supply chain finance under the Internet environment. Firstly, the research takes the supply chain business model of XX e-commerce platform as the starting point. Combined with the XX e-commerce platform supply chain finance development process of XX e-commerce platform supply chain financial model combing, analysis of the business system, product types, customer groups, operational processes, risk control management. The characteristics of the source of funds. Then, from the resolution of information asymmetry, improve the efficiency of credit. The paper evaluates the value of the supply chain finance model of XX e-commerce platform from the perspective of reducing transaction cost. Then it analyzes the defects of this model mainly reflected in the identity of the business entity is not appropriate and the source of funds is limited. The scope of business and the single object, the risk management mechanism is not perfect. Finally, from the transformation of the main business, expand the source of funds, expand the scope of business, improve external credit and fund supervision. Based on the above research, it shows that: firstly, the supply chain financial model of XX e-commerce platform integrates the transaction data accumulated by the e-commerce platform through the Internet. Credit information, using big data technology to analyze, formed online customer credit evaluation and risk management system, not only improve the credit efficiency, reduce the cost of credit transactions, but also solve the asymmetric financing information. Platform financial business and e-commerce business to promote each other. Second, the core of the e-commerce platform supply chain financial model lies in the lack of appropriate business bodies, resulting in insufficient sources of funds. At the same time customers too single and part of the lack of risk management links also restricted its development. Third the first task of improving the supply chain financial model of e-commerce platform is to participate in private banks pilot and broaden the sources of funds. Strengthening external credit information and fund monitoring, giving full play to the advantages of supply chain information flow and logistics management, developing new business from two angles of supply chain expansion and breaking through the boundary of platform.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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