【摘要】：在我國供應(yīng)鏈金融迅猛發(fā)展的背景下,我國供應(yīng)鏈保險的推進進程卻非一帆風(fēng)順,目前僅有一種供應(yīng)鏈保險險種(農(nóng)產(chǎn)品價格指數(shù)保險),折射出供應(yīng)鏈保險的創(chuàng)新乏力。在學(xué)術(shù)界,對供應(yīng)鏈協(xié)調(diào)契約的研究由來已久,但關(guān)于利用保險機制協(xié)調(diào)易逝品供應(yīng)鏈的理論研究仍舊較少,且集中于供應(yīng)鏈內(nèi)部成員之間簽訂的保險契約,并非真正可市場化的保險產(chǎn)品�；谏鲜鲈�,本文選取單供應(yīng)商、單零售商所構(gòu)成之單周期型易逝品二級供應(yīng)鏈作為研究對象,針對其存在的"雙重邊際化"問題,創(chuàng)新提出引入市場化商業(yè)保險機制以協(xié)調(diào)供應(yīng)鏈,希望既可拓寬供應(yīng)鏈協(xié)調(diào)理論研究邊界,又能支持供應(yīng)鏈保險領(lǐng)域?qū)嵺`創(chuàng)新。本文以供應(yīng)鏈內(nèi)部化的保險契約為基礎(chǔ),考慮了庫存監(jiān)管的信息不對稱問題,建立了參與主體風(fēng)險中性、參與主體風(fēng)險厭惡、突發(fā)事件風(fēng)險情形下的三種供應(yīng)鏈模型,基于理論推導(dǎo)與算例分析,對利用市場化保險機制協(xié)調(diào)易逝品供應(yīng)鏈的設(shè)想進行了探討,得到三個主要結(jié)論:第一,針對三個模型中不同的易逝品供應(yīng)鏈,引入市場化保險機制均能夠協(xié)調(diào)供應(yīng)鏈,但供應(yīng)鏈協(xié)調(diào)的約束條件有異;第二,利用市場化保險機制協(xié)調(diào)由風(fēng)險厭惡型參與主體組成的供應(yīng)鏈,其難度大于協(xié)調(diào)參與主體風(fēng)險中性的供應(yīng)鏈;第三,一般情形下引入保險機制是突發(fā)事件風(fēng)險下引入保險機制的特例,且不同類型的突發(fā)事件對利用保險機制協(xié)調(diào)易逝品供應(yīng)鏈的影響不同。最后,我們向供應(yīng)鏈參與方、保險公司及政府部門提供了管理建議,并提出了引入市場化保險機制協(xié)調(diào)易逝品供應(yīng)鏈的"兩步走"實施路徑:第一步,先由政府機構(gòu)通過運用保費補貼、稅收減免等政策工具,引導(dǎo)保險公司針對一些關(guān)系國計民生的易逝品品類開發(fā)新型供應(yīng)鏈保險險種,試點介入供應(yīng)鏈協(xié)調(diào)與管理過程;第二步,待保險公司的介入能夠有效降低供應(yīng)鏈庫存監(jiān)管總成本之后,政府支持便可擇機退出,從而營造公平的市場競爭環(huán)境,使供應(yīng)鏈保險險種實現(xiàn)市場化運作,保險公司可將其推廣并覆蓋至更多的易逝品品類,進而實現(xiàn)不同類型易逝品供應(yīng)鏈之間的風(fēng)險對沖。
[Abstract]:Under the background of the rapid development of supply chain finance in our country, the advance process of supply chain insurance in our country is not plain sailing. At present, there is only one supply chain insurance (agricultural product price index insurance), which reflects the lack of innovation of supply chain insurance. In academic circles, the research on supply chain coordination contract has a long history, but the theoretical research on coordination of perishable goods supply chain by using insurance mechanism is still few, and it focuses on the insurance contract signed between the members of the supply chain. Not really marketable insurance products. Based on the above reasons, this paper chooses the two-stage supply chain of single cycle perishable goods, which is composed of single supplier and single retailer, as the research object, aiming at its "double marginalization" problem. The innovation proposes the introduction of market-oriented commercial insurance mechanism to coordinate the supply chain, hoping that it can not only broaden the research boundary of supply chain coordination theory, but also support the practical innovation in the supply chain insurance field. Based on the insurance contract of supply chain internalization, this paper considers the information asymmetry of inventory supervision, and establishes three supply chain models under the condition of risk neutrality, risk aversion and emergency risk. Based on theoretical derivation and example analysis, the assumption of coordinating perishable goods supply chain with market-oriented insurance mechanism is discussed, and three main conclusions are obtained: first, aiming at different models of perishable goods supply chain, The introduction of market-oriented insurance mechanism can coordinate the supply chain, but the constraints of supply chain coordination are different; Secondly, it is more difficult to coordinate the supply chain composed of risk-averse participants than the risk-neutral supply chain by using market-oriented insurance mechanism. Thirdly, the introduction of insurance mechanism in general is the special case of introducing insurance mechanism under the risk of unexpected events, and different types of emergencies have different effects on coordination of perishable goods supply chain by using insurance mechanism. Finally, we provide management advice to supply chain participants, insurance companies and government departments, and propose a "two-step" implementation path of introducing market-oriented insurance mechanism to coordinate the supply chain of perishable products: the first step, First, through the use of insurance premium subsidies, tax relief and other policy tools to guide insurance companies to develop new supply chain insurance for some perishable products related to the national economy and the people's livelihood, and pilot intervention in the supply chain coordination and management process; The second step, after the intervention of the insurance company can effectively reduce the total cost of inventory supervision in supply chain, the government can choose the opportunity to withdraw, thus creating a fair market competition environment, so that supply chain insurance can realize market-oriented operation. Insurance companies can promote and cover more perishable products, and then hedge the risk between different types of perishable goods supply chain.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F274;F842
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本文編號：2333302