汽车供应链金融模式及博弈策略研究

发布时间：2018-06-06 11:54

本文选题：汽车供应链金融 + 质押模式　；参考：《电子科技大学》2014年硕士论文

【摘要】：传统的中小企业由于自身经营规模较小、总资产有限等原因难以向银行申请融资贷款,常常被视为信用不佳、承担风险能力较差的一类企业。随着供应链竞争成为市场竞争的主要形式,基于核心企业信用担保的供应链金融服务模式为中小企业融资开辟了一条新的蹊径。银行在整体供应链金融中扮演了重要角色,银行不是将单个企业信用作为融资的依据,而是将供应链整体信用的评价作为依据,为整条供应链提供融资服务。供应链融资模式相对于传统融资模式的转变在于基于核心企业的经营规模、资金实力以及良好信用为依据。汽车产业是我国重要的支柱产业,具有产业链长、资金密集、涉及行业多等特征,以汽车制造商为核心集成了众多的零配件供应商、汽车经销商以及4S店等企业,形成了一条典型的汽车供应链,因此各商业银行和规模汽车制造商都广泛开展供应链金融实践,并且针对汽车行业的特征形成了特有的汽车供应链金融服务模式和创新,也引起了各界学者在汽车供应链金融的理论探索和相关研究,大多集中在业务盈利模式及服务模式等方面。本文通过对汽车供应链金融的概念、特征、理论依据、服务模式、博弈策略的分析,重点研究了汽车质押(实物质押)模式、汽车合格证质押(反担保质押、以下简称合格证质押)模式两种汽车供应链金融服务模式,通过汽车制造商实施回购策略为汽车经销商的融资贷款提供信用担保,分析该两种模式下,汽车供应链金融服务参与各方(银行、汽车制造商、汽车经销商)的博弈策略,以及对汽车经销商订购量、汽车制造商回购比例、银行信贷利率为决策变量的优化。本文进一步开展了实证研究,根据中信银行开展汽车金融服务的实际数据为依据,通过MATLAB对汽车供应链金融博弈模型进行了数值计算和系统仿真,进一步讨论了模型及计算结果。
[Abstract]:Because of their small scale of operation and limited total assets, traditional small and medium-sized enterprises are difficult to apply for financing loans to banks, which are often regarded as a kind of enterprises with poor credit and poor ability to bear risks. With the supply chain competition becoming the main form of market competition, the supply chain financial service model based on the core enterprise credit guarantee has opened a new path for the financing of small and medium-sized enterprises. Banks play an important role in the whole supply chain finance. Banks do not take the credit of a single enterprise as the basis for financing, but take the evaluation of the whole credit of the supply chain as the basis to provide financing services for the whole supply chain. Compared with the traditional financing mode, the change of supply chain financing mode is based on the core enterprise's management scale, capital strength and good credit. The automobile industry is an important pillar industry in our country, which has the characteristics of long industrial chain, intensive capital, and many related industries. With automobile manufacturers as the core, the automobile industry integrates many parts suppliers, auto dealers and 4S stores, and so on. A typical automobile supply chain is formed, so all commercial banks and large scale automobile manufacturers develop the supply chain financial practice extensively, and form the unique automobile supply chain financial service mode and innovation according to the characteristics of automobile industry. It has also caused scholars from all walks of life to explore the theory and related research of automobile supply chain finance, mostly focusing on the business profit model and service mode and so on. Based on the analysis of the concept, characteristics, theoretical basis, service model and game strategy of automobile supply chain finance, this paper focuses on the study of automobile pledge (physical pledge) mode, automobile certificate pledge (anti-guarantee pledge), The following two kinds of automobile supply chain financial service modes are referred to as "qualification pledge" mode, which provide credit guarantee for the financing loan of automobile dealer through the auto manufacturer's repurchase strategy, and analyze the two models. The game strategies of the parties involved in the automobile supply chain financial services (banks, automobile manufacturers, auto dealers), and the optimization of the order volume of automobile dealers, the proportion of auto manufacturers' repurchase, and the interest rate of bank credit are the decision variables. Based on the actual data of CITIC Bank's automobile financial service, this paper carries out numerical calculation and systematic simulation of the automobile supply chain financial game model through MATLAB. The model and calculation results are further discussed.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F426.471;F274

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