本文選題：供應(yīng)鏈金融 + 應(yīng)收賬款融資　； 參考：《浙江工業(yè)大學(xué)》2014年碩士論文

【摘要】：在供應(yīng)鏈運(yùn)營(yíng)過(guò)程中,核心企業(yè)常常會(huì)憑借其核心地位對(duì)其上游企業(yè)進(jìn)行擠壓,采取先收貨后付款的方式把資金壓力轉(zhuǎn)移給了上游中小型企業(yè),而中小企業(yè)為了今后能與核心企業(yè)長(zhǎng)期合作發(fā)展,認(rèn)可了這一行為,這就使得此類(lèi)中小企業(yè)出現(xiàn)了大量的應(yīng)收賬款,從而缺乏流動(dòng)資金。但由于其綜合實(shí)力較弱,沒(méi)有能夠用來(lái)作抵押貸款的資產(chǎn),很難單獨(dú)從銀行獲得貸款,這就使其陷入了發(fā)展瓶頸。供應(yīng)鏈金融應(yīng)收賬款融資概念的提出,為處于供應(yīng)鏈中弱勢(shì)地位的中小型企業(yè)的融資帶來(lái)了便利,它能有效地進(jìn)行信譽(yù)上的資源配置,使得銀行將供應(yīng)鏈中的企業(yè)視為一個(gè)整體,這不但可以讓中小企業(yè)借用核心企業(yè)的信譽(yù)獲得貸款,而且也使得供應(yīng)鏈中企業(yè)之間的關(guān)系更為密切,從而使供應(yīng)鏈可以更加健康地發(fā)展,當(dāng)然,銀行也新增了業(yè)務(wù)收入的來(lái)源。本文采用了理論與實(shí)際相結(jié)合的方法對(duì)供應(yīng)鏈金融進(jìn)行了分析,著重闡述了應(yīng)收賬款融資模式的業(yè)務(wù)流程。通過(guò)建立應(yīng)收賬款融資信用風(fēng)險(xiǎn)評(píng)估指標(biāo)體系,運(yùn)用多級(jí)模糊綜合評(píng)價(jià)法對(duì)銀行貸款進(jìn)行評(píng)定,并引入信號(hào)傳遞博弈模型,指出提高信用評(píng)價(jià)結(jié)果可信性的方法,在此基礎(chǔ)上,提出了幾點(diǎn)控制信用風(fēng)險(xiǎn)的建議。此外,本文建立了供應(yīng)鏈應(yīng)收賬款融資的定價(jià)模型,分別討論了當(dāng)核心企業(yè)和中小企業(yè)分散決策和聯(lián)合決策時(shí),銀行與之博弈的結(jié)果,將兩種情況下的結(jié)果進(jìn)行比較發(fā)現(xiàn),聯(lián)合決策對(duì)于博弈三方而言均為更好的選擇。通過(guò)本文的研究,可以為中小企業(yè)、核心企業(yè)及銀行在進(jìn)行應(yīng)收賬款融資業(yè)務(wù)時(shí),提供定量化的決策依據(jù),此外也為銀行進(jìn)行風(fēng)險(xiǎn)管理時(shí)提供了方法上的借鑒。
[Abstract]:In the process of supply chain operation, core enterprises often squeeze their upstream enterprises by virtue of their core position, and transfer the capital pressure to upstream small and medium-sized enterprises by the way of receiving goods first and then paying for them.In order to cooperate with the core enterprises for a long time, the small and medium-sized enterprises recognize this behavior, which makes the small and medium-sized enterprises have a large amount of accounts receivable, thus the lack of liquidity.However, it is difficult to obtain loans from banks alone because of its weak comprehensive strength and lack of assets that can be used as mortgage loans, which makes it into a development bottleneck.The concept of accounts receivable financing in supply chain finance brings convenience to the financing of small and medium-sized enterprises in the weak position of supply chain, and it can effectively allocate resources on credit.It makes banks view enterprises in the supply chain as a whole, which not only allows SMEs to borrow credit from the core enterprises, but also makes the enterprises in the supply chain more closely related.This allows the supply chain to grow more healthily and, of course, banks add new sources of business revenue.This paper analyzes supply chain finance by combining theory with practice, and expounds the business process of accounts receivable financing mode.Through establishing the credit risk evaluation index system of accounts receivable financing, using the multi-level fuzzy comprehensive evaluation method to evaluate the bank loan, and introducing the signal transmission game model, the paper points out the method to improve the credibility of the credit evaluation results.Some suggestions for controlling credit risk are put forward.In addition, this paper establishes the pricing model of supply chain accounts receivable financing, discusses the results of the game between banks and SMEs when the core enterprises and small and medium-sized enterprises make decentralized decisions and joint decisions, and finds out the results in the two cases.Joint decision making is a better choice for the three parties of game.Through the research of this paper, it can provide quantitative decision-making basis for SMEs, core enterprises and banks in the process of accounts receivable financing, and also provide a reference for banks in risk management.
【學(xué)位授予單位】：浙江工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F274;F275

【參考文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 馬翠香;供應(yīng)鏈金融應(yīng)收賬款融資模式及信用風(fēng)險(xiǎn)評(píng)價(jià)[D];江南大學(xué);2013年

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本文編號(hào)：1738068