物联网在物流金融行业的应用分析

发布时间：2018-05-05 02:15

本文选题：物联网 + RFID技术　；参考：《山东大学》2014年硕士论文

【摘要】：文章对物联网在国内外的发展现状加以了分析；总结了物联网技术在我国物流行业的应用；通过列举国内几家商业银行的线上供应链业务开展情况,体现了智慧供应链的现实意义。主要体现在以下方面：物联网利用现代化的信息传感设备,通过网络实现了人与物的信息交流和资源共享,达到了减少资源浪费,提高资源利用效率,实现智能生产和生活的目的。射频识别(RFID)技术的用途越来越广泛。物联网在国内正处于不断提速阶段,而且从各个区域正在走进和影响着我们的生活。发达国家也加快了新一代网络基础设施的建设进度,世界新格局正在全球信息化的影响下出现大的变动。现代化企业的竞争将是企业获取信息能力的竞争,进一步说是物流信息整合能力的竞争。物联网技术应用到现代物流的全过程中,使物联网技术与现代物流技术有机结合,将给现代物流业拓展空间带来不可限量的价值,属于一次物流信息技术的大变革,具有重要的时代意义。通过物联网智能物流系统能实现企业内外相关物流关系信息的整合与共享。成熟的物联网在物流业中主要利用在产品质量安全智能追溯系统、物流过程的可视化智能管理网络系统和智能化的物流配送中心几个方面。智能物流是在充分搭建物联网技术的基础上,将智能化技术加以集成,从而物流系统能实现与人相通的各种技能。现代商业银行为了提高其在市场竞争中的服务能力,会利用物联网技术支持来扩大服务范围；优化服务模式；增加服务项目等。银行决策信息的来源是物联网的数据平台。物联网将给银行的客户带来更好的用户体验。物联网将供应链上的环节与流程实现“可视跟踪”从而达到优化资源配置、降低成本、提高生产效率的作用。物联网的发展将形成新的产业、构建新的供应链,基于实体经济的供应链金融业务正逐步取代传统贸易融资业务,成为市场主流发展方向。发展供应链金融业务,不仅是促进银行金融业务发展模式和盈利模式战略转变的重要手段,也将为银行金融业务开辟新的发展空间,其重要性和迫切性日益显现。当然物联网在发展过程中仍然存在很多需要解决的问题,因此需要更多的开放和合作,以在物联网产业链中建立新的商业经济模式。 “十二五”期间,中央财政将根据我国物联网的整体发展状况,进一步健全和完善支持物联网发展的财政金融体系,加强与科技、产业政策的协调配合,大力发挥财政政策的引导和激励作用,同时吸引社会资本加大对物联网的投入,并积极支持和鼓励有条件的区域建立适合当地发展的物联网配套的财政政策。总之,未来社会将不断扩大物联网的应用范围,从而为智能物流、商业银行供应链金融带来巨大的商机,这些都有利于人们能够高效的利用好各种社会资源,为人类文明作出贡献。
[Abstract]:This paper analyzes the current situation of the development of Internet of things at home and abroad, summarizes the application of Internet of things technology in China's logistics industry, and lists the online supply chain business of several domestic commercial banks. It reflects the practical significance of intelligent supply chain. This is mainly reflected in the following areas: The Internet of things uses modern information sensing equipment to realize the information exchange and resource sharing between people and objects through the network, which can reduce the waste of resources, improve the efficiency of resource utilization, and realize intelligent production and life. Radio frequency identification (RFID) technology is becoming more and more widely used. The Internet of things is growing at home, and moving into and affecting our lives from all regions. Developed countries have also accelerated the construction of a new generation of network infrastructure, the world's new pattern is changing greatly under the influence of global information. The competition of modern enterprises will be the competition of enterprises' ability to obtain information, and further, the competition of logistics information integration ability. The application of Internet of things technology to the whole process of modern logistics, the organic combination of Internet of things technology and modern logistics technology will bring unlimited value to the development of modern logistics industry, which belongs to a great revolution of logistics information technology. Has the important time significance. Through the intelligent logistics system of the Internet of things, the integration and sharing of logistics relationship information inside and outside the enterprise can be realized. The mature Internet of things in the logistics industry mainly uses in the product quality safety intelligent traceability system, the logistics process visual intelligent management network system and the intelligent logistics distribution center several aspects. Intelligent logistics is based on fully building the Internet of things technology, intelligent technology will be integrated, so that the logistics system can achieve a variety of skills to communicate with people. In order to improve their service ability in the market competition, modern commercial banks will use the Internet of things technology to expand the service range, optimize the service model, increase the service items, etc. The source of bank decision information is the Internet of things data platform. The Internet of things will bring a better user experience to the bank's customers. The Internet of things can realize the visual tracking of the links and processes in the supply chain so as to optimize the allocation of resources, reduce the cost and improve the production efficiency. The development of the Internet of things will form a new industry and construct a new supply chain. The supply chain financial business based on the real economy is gradually replacing the traditional trade financing business and becoming the mainstream development direction of the market. The development of supply chain financial business is not only an important means to promote the strategic transformation of banking financial business development model and profit model, but also a new development space for bank financial business. Its importance and urgency are becoming increasingly apparent. Of course, there are still many problems that need to be solved in the development of Internet of things, so we need more openness and cooperation in order to establish a new business economic model in the industrial chain of Internet of things. During the 12th Five-Year Plan period, according to the overall development of the Internet of things in China, the central finance will further improve and perfect the financial and financial system that supports the development of the Internet of things, and strengthen coordination with science and technology and industrial policies. We should give full play to the guidance and encouragement of fiscal policy, at the same time attract social capital to increase investment in the Internet of things, and actively support and encourage conditional regions to establish a fiscal policy suitable for local development of the Internet of things. In short, the future society will continue to expand the scope of application of the Internet of things, thus bringing huge business opportunities for intelligent logistics, commercial bank supply chain finance, which are conducive to the efficient use of all kinds of social resources. Contribute to human civilization.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：TP391.44;TN929.5;F259.2;F832

【引证文献】