互联网背景下供应链金融模式研究

发布时间：2018-03-28 15:55

本文选题：供应链金融　切入点：互联网金融　出处：《浙江大学》2017年硕士论文

【摘要】：融资困难一直是困扰我国中小企业发展的首要问题,供应链金融成为解决这一问题的有效方式。供应链金融从产业链整体出发授信,将核心企业的信用注入中小企业,解决了信息不对称,但传统供应链金融仍存在资金支持不足等问题。互联网背景下的供应链金融参与主体更丰富,其中"网贷+供应链金融"模式实现了网贷平台资金端与供应链中资产端的有效对接,提升了供应链的资金周转速度,同时也实现了网贷平台的差异化发展。网贷平台可以通过上市公司自建网贷平台、上市公司与网贷机构合作以及通过保理机构对接网贷公司等方式,开展以预付账款融资、应收账款融资、存货融资为主的供应链金融服务,盘活供应链中的沉淀资金。本文选取了最早进行供应链金融的网贷平台中瑞财富作为例进行研究。2015年煤炭供应链龙头企业瑞茂通参股中瑞财富,成为中瑞财富主要的资产端来源。通过对中瑞财富供应链金融发展历程、业务模式、产品类型、风控模式进行分析,得出中瑞财富等网贷平台在供应链融资模式中起到了替代银行等金融机构的作用。相较于银行等机构,网贷平台审批流程快、数据分析能力强,能够利用平台优势实现物流、商流、资金流、信息流的的融合。随着大数据技术、云计算、区块链等互联网技术的不断成熟和发展,互联网与供应链的融合将会不断加深,数据和专业化服务将会是未来供应链金融的发展趋势,供应链中各个参与主体的合作将会更加密切。
[Abstract]:Financing difficulties have always been the most important problem in the development of small and medium-sized enterprises in China. Supply chain finance has become an effective way to solve this problem. Supply chain finance grants credit from the industrial chain as a whole and infuses the credit of core enterprises into small and medium-sized enterprises. It solves the problem of asymmetric information, but the traditional supply chain finance still has insufficient fund support and so on. The "net loan supply chain finance" mode realizes the effective connection between the capital end of the network loan platform and the asset side of the supply chain, and improves the speed of the capital turnover of the supply chain. At the same time, it has realized the differentiation development of the network loan platform. The network loan platform can build the network loan platform by the listed company, the listed company cooperates with the network loan organization, and through the factoring organization docking the network loan company, the network loan platform can carry out the financing in advance account. Accounts receivable financing, inventory financing, supply chain financial services, In this paper, the author takes Zhongrui Wealth, the earliest online loan platform for supply chain finance, as an example. In 2015, Rui Maotong, a leading enterprise in coal supply chain, participated in Zhongrui Wealth, a leading enterprise in the coal supply chain. Through the analysis of the financial development course, business model, product type, risk control mode of the supply chain of the wealth of China and Switzerland, Compared with the banks and other institutions, the network loan platform has a fast approval process, strong data analysis ability, and can use the platform advantages to achieve logistics, compared with the banks and other institutions, the network loan platform plays a role in replacing banks and other financial institutions in the supply chain financing mode. The convergence of business flow, capital flow and information flow. With the development of big data technology, cloud computing, block chain and other Internet technologies, the integration of Internet and supply chain will continue to deepen. Data and specialized services will be the development trend of supply chain finance in the future.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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