物联网技术对供应链金融业务的影响与对策

发布时间：2018-01-07 07:12

  本文关键词：物联网技术对供应链金融业务的影响与对策　出处：《山东社会科学》2017年06期 　论文类型：期刊论文

  更多相关文章： 物联网 供应链金融 成本 风险

【摘要】：供应链金融业务是商业银行以供应链上的主导企业为核心,以供应链上的真实交易为背景,面向供应链上的企业提供的以动产抵押贷款为主的短期金融业务。我国商业银行由于受传统经营观念与服务模式的影响以及信息不对称的约束,在信息技术高速发展的背景下其经营效率和抗风险能力都有待提高。对此,商业银行将物联网技术引入供应链金融业务中,可以解决信息不对称带来的约束和风险,而且在业务成本与风险方面都会给供应链金融业务带来积极的影响。对策建议:以核心企业为试点,逐步将物联网技术引入供应链金融业务中;建立应急处理机制,完备预警系统和各项应急预案,加强由物联网技术引入可能的风险防控。
[Abstract]:Supply chain financial business is a commercial bank with the leading enterprises in the supply chain as the core, and the real transaction in the supply chain as the background. The short-term financial business which is mainly provided by the enterprises in the supply chain. The commercial banks of our country are restricted by the traditional management concept and service mode and the information asymmetry. In the context of the rapid development of information technology, its management efficiency and anti-risk ability need to be improved. Therefore, commercial banks will introduce the Internet of things technology into the supply chain financial business. It can solve the constraints and risks brought by asymmetric information, and will bring positive impact on the supply chain financial business in terms of business costs and risks. Gradually introduce the Internet of things technology into the supply chain finance business; Establish emergency mechanism, complete early warning system and emergency plan, strengthen the introduction of possible risk prevention and control by Internet of things technology.
【正文快照】： 2017 年第 6 期 山 东 社 会 科 学 No．6 总第 262 期 SHANDONG SOCIAL SCIENCES General No．262 收稿日期: 2016－11－26 作者简介: 潘娅媚，女，，河南工业贸易职业学院贸易经济系副教授 。 物联网技术对供应链金融业务的影响与对策 潘娅媚 ( 河南

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