瑞茂通供应链金融业务案例研究

发布时间：2018-01-15 16:38

本文关键词：瑞茂通供应链金融业务案例研究　出处：《郑州大学》2016年硕士论文　论文类型：学位论文

【摘要】：供应链金融在中国的最早发展是为了解决中小企业融资难问题,通过供应链中的核心企业把供应链上下游不同产业的各个企业联系到一起视为一个集团化企业,基于集团授信方式帮助供应链中的中小企业解决资金困难问题。但是供应链金融发展当中始终存在较为严重的融资成本高以及资金缺口等问题。近几年,互联网科技持续发展催生了电子商务的同时也带来了供应链金融4.0。这一金融模式具备互联网金融基因,操作方便、成本低。因此得到了广大供应链管理领域企业的关注。本文以瑞茂通——中国领先发展大宗商品供应链管理服务专家企业为研究案例,该企业迎合政府“互联网+”发展浪潮正式上线“易煤网”进行商品板块、电商板块、供应链金融板块的战略布局,由此逐步构建“供应链管理+供应链平台+供应链金融”的供应链金融4.0。2013年瑞茂通开始搭建供应链金融业务框架,先从线下供应链金融做起,而后发展线上互联网金融,通过构建“易煤网”联合利益方达成瑞茂通煤炭产业链上下游企业的多模式业务无缝对接,满足相关企业煤炭交易、物流仓储、支付、结算和融资等多方位市场需求。通过实地调研分析发现,作为传统企业,瑞茂通在推进互联网供应链金融方面因煤炭主营业务当前产业下行原因面临发展困境,虽然涉及互联网金融、发展供应链金融4.0,可是目前存在模式选择、运营操作、发展定位等方面的问题,而且供应链金融4.0没有被作为企业发展重心、供应链信用体系不坚实、资金端通道不畅、专业互联网金融人才匮乏等,以及国家层面互联网金融法律法规体系的不健全等等。对此,本文提出了“互联网+”时代借势发展供应链金融4.0,构建供应链金融4.0良性发展生态链、加强供应链金融规范运作以及聚集优势资源重点发展供应链金融4.0等对策,以便给更多想要进入互联网金融领域的传统企业相应的借鉴和参考作用。
[Abstract]:The earliest development of supply chain finance in China is to solve the financing difficulties of small and medium-sized enterprises. Through the core enterprises in the supply chain, the enterprises in the upstream and downstream industries of the supply chain are linked together as a collectivized enterprise. Based on the group credit method to help small and medium-sized enterprises in the supply chain to solve the problem of capital difficulties, but in the development of supply chain finance, there are always serious problems such as high financing cost and funding gap. In recent years. The sustained development of Internet science and technology has given birth to e-commerce, but also brought about supply chain finance 4.0.This financial model has Internet finance gene, easy to operate. Because of its low cost, it has attracted the attention of many enterprises in the field of supply chain management. This paper takes Rui Maotong, a leading expert enterprise of commodity supply chain management service in China, as a case study. This enterprise caters to the government "Internet" development tide official line "easy coal net" carries on the commodity plate, the electronic commerce plate, the supply chain finance plate strategic layout. Thus the supply chain finance of "supply chain management supply chain platform supply chain finance" started to set up the supply chain finance business framework in 2013, starting from the offline supply chain finance. Then the development of online Internet finance, through the construction of "easy coal network" joint interests of Cheng Rui Maotong coal industry chain upstream and downstream enterprises seamless docking, to meet the related enterprises coal trading, logistics warehousing. Payment, settlement, financing and other multi-faceted market needs. Through field research and analysis, as a traditional enterprise. Ruimao Tong in the promotion of Internet supply chain finance because of the coal main business current industrial reasons facing development difficulties although involving Internet finance the development of supply chain finance 4.0 but the current mode of choice. Operation, development positioning and other issues, and supply chain finance 4.0 has not been taken as the focus of enterprise development, supply chain credit system is not solid, capital end channel is not smooth, lack of professional Internet financial personnel and so on. And the imperfect legal system of Internet finance at the national level and so on. In view of this, this paper puts forward the "Internet" era to seize the opportunity to develop supply chain finance 4.0. Construct the ecological chain of supply chain finance 4.0, strengthen the supply chain financial standard operation and focus on the development of supply chain finance 4.0. In order to give more traditional enterprises who want to enter the field of Internet finance reference and reference.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F274;F832.39;F724.6

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