信用微证的开发与应用推广

发布时间：2018-01-09 06:20

本文关键词：信用微证的开发与应用推广　出处：《深圳大学》2017年硕士论文　论文类型：学位论文

【摘要】：2008年金融危机之后,外贸形势严峻,中国进出口贸易开始面临困境。大量企业开始尝试转战国内市场,随后国内市场发展迅速,国内异地结算需求、融资需求也因此开始猛增。国内贸易结算业务规模不断扩大,但是显然,目前已有的国内贸易结算方式或多或少都存在一些缺陷或者使用风险,这些问题也限制了国内贸易的发展。与此同时,互联网技术正在飞速发展,并渗透式的融入人们生活,改变着人们的生产生活方式。信息通信技术、大数据、云计算等技术的进步,实现了互联网技术与各行各业的融合发展,促进了传统行业的转型升级。互联网金融更是因此发展的如火如荼,互联网银行也在为人们提供更为方便快捷的生活。与此同时,国内贸易市场越来越成熟完善,全社会信用情况越来越好。在这一大背景下,各类新兴支付结算工具也如雨后春笋般诞生。本文考虑以现有国内贸易结算方式中优势最为明显的国内信用证方式为主要参考基础,借鉴阿里巴巴的信用保障体系思路,运用互联网技术,依靠成熟的互联网金融公司,开发出一款新的便利国内中小企业交易结算的信用支付方式,本文称之为“信用微证”,并根据信用微证业务特点及需要,设计开发一个信用微证的专用平台,称之为“信用微证平台”。平台可以帮助企业办理交易的全套支付结算手续,并联系转运货物。这种方式能够以最大程度简化结算业务流程,提高效率,降低企业使用成本,在为企业带来便利的同时,也为互联网金融平台开创了新的业务方式。本文设计的信用微证平台以人民币为结算货币,由于人民币已经加入SDR,人民币势必会变得越来越国际化,未来该平台甚至可直接结算国际贸易中以人民币作为结算货币的业务,发展前景广阔。本文从信用证、银行承兑汇票、汇付等现有国内结算方式说起,比对各种交易方式的优缺点,得出需要设计开发一种新的结算方式的结论;然后本文分析了开发新结算方式所需的技术基础,构想搭建一个平台并设计出平台结算的流程以及模拟平台运行的过程;最后,文章分析了要应用这个平台所需的政策环境,推广该平台的策略等。
[Abstract]:In 2008, after the financial crisis, the foreign trade situation was severe, and China's import and export trade began to face difficulties. A large number of enterprises began to try to switch to the domestic market, and then the domestic market developed rapidly, and the domestic settlement demand from different places began. Domestic trade settlement business has been expanding, but obviously, the existing domestic trade settlement more or less has some defects or use risks. These problems also limit the development of domestic trade. At the same time, Internet technology is rapidly developing, and infiltrating into people's lives, changing people's production and lifestyle. Information and communication technology, big data. Cloud computing and other technologies have achieved the integration of Internet technology and various industries, promoting the transformation and upgrading of traditional industries. Internet finance is thus in full swing. Internet banking is also providing people with a more convenient and fast life. At the same time, the domestic trade market is more and more mature, the whole society credit situation is getting better and better. Under this background. A variety of emerging payment and settlement tools are also springing up. This paper considers the most obvious advantages of the existing domestic trade settlement methods as the main reference basis. Drawing lessons from Alibaba's credit guarantee system, using Internet technology, relying on mature Internet financial companies, develop a new credit payment method to facilitate the transaction and settlement of small and medium-sized enterprises in China. This paper calls it "credit micro card", and according to the characteristics and needs of credit micro card business, design and develop a special platform of credit micro card. Known as the "micro-credit platform", the platform can help enterprises complete payment and settlement procedures for transactions, and contact transhipment cargo. This approach can simplify settlement business processes to the greatest extent and improve efficiency. To reduce the cost of use of enterprises, while bringing convenience to enterprises, but also for the Internet financial platform to create a new business mode. This paper designed a micro-credit platform with RMB as the settlement currency. As the RMB has joined the SDR, the RMB will become more and more international. In the future, the platform can even directly settle the RMB as the settlement currency in international trade. This paper starts with the existing domestic settlement methods, such as letter of credit, bank acceptance bill, remittance payment and so on. Compared with the advantages and disadvantages of various transaction methods, the paper draws the conclusion that it is necessary to design and develop a new settlement method. Then this paper analyzes the technical basis of developing the new settlement mode, designs a platform and designs the process of platform settlement and the process of simulating the platform operation. Finally, the paper analyzes the policy environment needed to apply the platform, and popularizes the strategy of the platform.
【学位授予单位】：深圳大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2;F724.6

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