基于B2B电子商务平台的供应链融资研究

发布时间：2018-05-24 19:18

本文选题：供应链融资 + 商业银行　；参考：《福建师范大学》2016年硕士论文

【摘要】：在经济全球化不断发展、信息技术不断推陈出新的今天,电子商务实现了人们足不出户就完成的商业交易,其巨大便利性开启了网络经济时代的一种全新运营模式,在其影响下供应链之间的竞争也参与其中,而供应链融资作为金融服务创新的一个研究领域也逐渐延伸到B2B电子商务中,供应链融资模式的不断成长壮大,一方面有效地缓解了当前我国中小企业融资难、贷款难的困境,另一方也为银行开拓了新的业务渠道,通过有效的风险把控,降低银行的金融风险,提高供应链整体运作的稳定性。B2B电子商务平台的供应链的融资带来了企业价值链、供应链的变革,是真正意义上通过核心企业,将银行、企业、客户三者有机结合起来的一种共赢的增值模式。这种全新模式的出现使得中小企业融资难,贷款难得到缓解,增加企业在平台的主动活跃度,提升了融资业务利益相关者的综合经济效益,一方面解决了中小企业融资难的问题,提升了其融资能力；另一方面使金融机构实现了风险的控制,有效的降低了银行的金融风险,提升了供应链整体运作的稳定性。本文通过对国内外B2B电子商务供应链融资发展模式进行研究,进而结合我国B2B电子商务供应链融资发展情况,认为我国B2B电子商务融资还存在完整信用体系的缺位、信息不对称问题、供应链管理的不成熟影响了供应链金融推行的效率、供应链自身的风险等风险,因此,结合国内外学者的研究情况,本文提出了建立完善的信用体系、强化责任体制,降低信息误差、提高供应链管理水平、强化供应链风险防范机制等改善建议,本文运用理论加实际案例的方式形象的诠释了B2B供应链融资模式的运作流程和预期风险,通过对该融资模式的分析比较指出了当前的不足并切合实际的提供了完善措施,因此,本文的研究应当能在一定程度上丰满B2B供应链金融融资模式的理论基础,并且能对该融资模式在我国的实践与发展有参考和指导的价值。
[Abstract]:With the continuous development of economic globalization and the development of information technology, E-commerce has realized the commercial transactions that people have completed without leaving their homes, and its enormous convenience has opened a new mode of operation in the era of network economy. Under its influence, the competition between supply chains is also involved, and supply chain financing, as a research field of financial service innovation, is gradually extended to B2B e-commerce, and the supply chain financing model is growing stronger and stronger. On the one hand, it has effectively alleviated the difficulties in financing and lending for small and medium-sized enterprises in our country. On the other hand, the other side has also opened up new business channels for banks to reduce the financial risks of banks through effective risk control. Improve the stability of the whole operation of the supply chain. The financing of the supply chain of the B2B e-commerce platform has brought about the enterprise value chain, the change of the supply chain, is really through the core enterprise, the bank, the enterprise, Customer three organic combination of a win-win value-added model. The emergence of this new model makes it difficult for small and medium-sized enterprises to finance, ease the difficulty of loans, increase the active activity of enterprises in the platform, and improve the comprehensive economic benefits of stakeholders in financing business. On the one hand, it solves the problem of financing difficulty of small and medium-sized enterprises, improves its financing ability; on the other hand, it makes financial institutions realize risk control, effectively reduces the financial risk of banks, and improves the stability of the whole operation of supply chain. Based on the research of domestic and foreign B2B E-commerce supply chain financing development model and combined with the development of B2B E-commerce supply chain financing in China, this paper thinks that there is still a complete credit system of B2B E-commerce financing in China. The problem of information asymmetry and the immaturity of supply chain management affect the efficiency of the implementation of supply chain finance and the risks of supply chain itself. Therefore, according to the research situation of domestic and foreign scholars, this paper puts forward the establishment of a perfect credit system. Strengthen responsibility system, reduce information error, improve supply chain management level, strengthen supply chain risk prevention mechanism and so on. This paper interprets the operation process and expected risk of B2B supply chain financing mode by using theory and practical cases. Through the analysis and comparison of this financing model, it points out the current deficiencies and provides practical improvement measures. The research in this paper should be able to enrich the theoretical basis of B2B supply chain finance model to a certain extent, and can provide reference and guidance for the practice and development of this financing model in China.
【学位授予单位】：福建师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F274;F832.4

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