基于第三方B2B平台线上供应链金融的信用风险评价研究
发布时间：2018-12-14 23:41
【摘要】：当今互联网技术发展日新月异,越来越多的传统行业渐从各个角度切入互联网,融合互联网技术的运作模式层出不穷。其中,传统供应链金融模式、商业银行信贷模式与互联网技术的融合,形成了以第三方B2B电商平台为基础的线上供应链金融模式。在该模式下,商业银行与第三方B2B电商平台进行合作,为供应链上融资企业提供线上供应链融资服务。基于第三方B2B电商平台线上供应链金融模式,既将互联网技术和不同供应链的特点深度融合以解决中小企业融资难问题;又有效降低融资企业与商业银行之间信息不对称,减少商业银行信用风险。自这一新型模式出现以来,市场规模不断扩大,信用风险伴随市场规模的扩大亦逐渐暴露。对信用风险的有效管控不仅影响着商业银行的信贷安全,更决定着依托于这一模式下的整条供应链能否顺畅运作。目前国内在线上供应链金融领域的研究仍处于发展的阶段,已开展研究主要集中在线上供应链金融的概念、融资模式、风险识别、线上供应链金融各参与方收益判断等方面,少有对基于第三方B2B平台线上供应链金融的信用风险评价进行全面和深入的研究。当前对基于第三方B2B平台线上供应链金融的信用风险进行识别和评价的需求愈发强烈,但当前学界对于这一问题的研究还比较少。故本文从基于第三方B2B平台线上供应链金融业务模式入手,使用相关理论分析这一模式下信用风险的产生、运作机理;然后在此基础上,构建一个能将基于第三方B2B平台线上供应链金融信用风险的定量指标与定性指标相结合的风险评价指标体系;最后通过对模型及案例的分析来验证这一针对基于第三方B2B平台线上供应链金融信用风险评价研究的有效性和实用性。根据上述研究思路,第一,本文将供应链金融和基于第三方B2B平台线上供应链金融两个领域在国内外的研究进行文献整理,梳理传统供应链金融和基于第三方B2B平台线上供应链金融的主要业务模式。第二,在此基础上使用委托代理理论、系统论、信息不对称理论、金融脆弱性理论、自偿性理论以及供应链风险管理理论对这一模式进行理论分析,为后文中针对这一模式信用风险识别和评价指标体系建立提供理论支持。第三,结合上文的理论分析识别基于第三方B2B平台线上供应链金融的信用风险,建立这一模式下信用风险的评价指标体系。第四,以上述信用风险评价指标体系为基础,使用熵权系数法和灰色综合评价法对实际案例中参与基于第三方B2B平台线上供应链金融业务的融资企业信用风险进行评价,以期在验证本文建立的信用风险评价体系的有效性和实用性的同时,为商业银行在这一模式下选择提供信贷的融资企业提供一定借鉴。
[Abstract]:With the rapid development of Internet technology, more and more traditional industries gradually cut into the Internet from various angles. Among them, the combination of traditional supply chain finance model, commercial bank credit model and Internet technology forms the online supply chain finance model based on the third party B2B e-commerce platform. In this mode, commercial banks cooperate with third party B2B e-commerce platform to provide online supply chain financing services for supply chain financing enterprises. Based on the online supply chain finance model of third-party B2B e-commerce platform, the Internet technology and the characteristics of different supply chains are deeply integrated to solve the financing difficulties of small and medium-sized enterprises. It also effectively reduces the information asymmetry between financing enterprises and commercial banks and reduces the credit risk of commercial banks. Since the emergence of this new model, the market scale has been continuously expanded, and the credit risk has been gradually exposed along with the expansion of the market scale. The effective control of credit risk not only affects the credit safety of commercial banks, but also determines whether the whole supply chain based on this model can operate smoothly. At present, the research in the field of online supply chain finance in China is still in the developing stage. The research has mainly focused on the concept of online supply chain finance, financing mode, risk identification, income judgment of all parties involved in online supply chain finance and so on. The credit risk evaluation of online supply chain finance based on third-party B2B platform is rare. At present, the demand for credit risk identification and evaluation of online supply chain finance based on third-party B2B platform is increasingly strong, but the current academic research on this issue is still relatively small. Therefore, this paper starts with the online supply chain financial business model based on the third party B2B platform, and analyzes the generation and operation mechanism of credit risk under this model by using relevant theories. On this basis, a risk evaluation index system which can combine quantitative and qualitative indexes of supply chain financial credit risk based on third-party B2B platform is constructed. Finally, through the analysis of the model and case, the validity and practicability of the research on the credit risk evaluation of the online supply chain based on the third party B2B platform are verified. According to the above research ideas, first, this paper will supply chain finance and online supply chain finance based on third party B2B platform in domestic and foreign research literature collation, The main business models of traditional supply chain finance and online supply chain finance based on third party B2B platform are summarized. Secondly, the theory of principal-agent theory, system theory, information asymmetry theory, financial vulnerability theory, self-compensation theory and supply chain risk management theory are used to analyze this model. It provides theoretical support for the identification of credit risk and the establishment of evaluation index system. Thirdly, based on the above theoretical analysis, the credit risk of the online supply chain finance based on the third party B2B platform is identified, and the evaluation index system of the credit risk under this model is established. Fourthly, based on the above credit risk evaluation index system, using entropy weight coefficient method and grey comprehensive evaluation method, the paper evaluates the credit risk of the financing enterprises participating in the online supply chain financial business based on the third party B2B platform. In order to verify the effectiveness and practicability of the credit risk evaluation system established in this paper, it can be used as a reference for commercial banks to choose to provide credit for financing enterprises under this model.
【学位授予单位】：上海社会科学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
本文编号：2379520
[Abstract]:With the rapid development of Internet technology, more and more traditional industries gradually cut into the Internet from various angles. Among them, the combination of traditional supply chain finance model, commercial bank credit model and Internet technology forms the online supply chain finance model based on the third party B2B e-commerce platform. In this mode, commercial banks cooperate with third party B2B e-commerce platform to provide online supply chain financing services for supply chain financing enterprises. Based on the online supply chain finance model of third-party B2B e-commerce platform, the Internet technology and the characteristics of different supply chains are deeply integrated to solve the financing difficulties of small and medium-sized enterprises. It also effectively reduces the information asymmetry between financing enterprises and commercial banks and reduces the credit risk of commercial banks. Since the emergence of this new model, the market scale has been continuously expanded, and the credit risk has been gradually exposed along with the expansion of the market scale. The effective control of credit risk not only affects the credit safety of commercial banks, but also determines whether the whole supply chain based on this model can operate smoothly. At present, the research in the field of online supply chain finance in China is still in the developing stage. The research has mainly focused on the concept of online supply chain finance, financing mode, risk identification, income judgment of all parties involved in online supply chain finance and so on. The credit risk evaluation of online supply chain finance based on third-party B2B platform is rare. At present, the demand for credit risk identification and evaluation of online supply chain finance based on third-party B2B platform is increasingly strong, but the current academic research on this issue is still relatively small. Therefore, this paper starts with the online supply chain financial business model based on the third party B2B platform, and analyzes the generation and operation mechanism of credit risk under this model by using relevant theories. On this basis, a risk evaluation index system which can combine quantitative and qualitative indexes of supply chain financial credit risk based on third-party B2B platform is constructed. Finally, through the analysis of the model and case, the validity and practicability of the research on the credit risk evaluation of the online supply chain based on the third party B2B platform are verified. According to the above research ideas, first, this paper will supply chain finance and online supply chain finance based on third party B2B platform in domestic and foreign research literature collation, The main business models of traditional supply chain finance and online supply chain finance based on third party B2B platform are summarized. Secondly, the theory of principal-agent theory, system theory, information asymmetry theory, financial vulnerability theory, self-compensation theory and supply chain risk management theory are used to analyze this model. It provides theoretical support for the identification of credit risk and the establishment of evaluation index system. Thirdly, based on the above theoretical analysis, the credit risk of the online supply chain finance based on the third party B2B platform is identified, and the evaluation index system of the credit risk under this model is established. Fourthly, based on the above credit risk evaluation index system, using entropy weight coefficient method and grey comprehensive evaluation method, the paper evaluates the credit risk of the financing enterprises participating in the online supply chain financial business based on the third party B2B platform. In order to verify the effectiveness and practicability of the credit risk evaluation system established in this paper, it can be used as a reference for commercial banks to choose to provide credit for financing enterprises under this model.
【学位授予单位】：上海社会科学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4
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