本文選題：商業(yè)信用　切入點(diǎn)：產(chǎn)品市場(chǎng)競(jìng)爭(zhēng)　出處：《云南財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：商業(yè)信用是企業(yè)市場(chǎng)行為中非常重要的一種行為，商業(yè)信用提供和獲取都是企業(yè)戰(zhàn)略決策的一部分。隨著市場(chǎng)經(jīng)濟(jì)全球化的快速發(fā)展，商業(yè)信用對(duì)企業(yè)重要性不斷上升，理論界對(duì)商業(yè)信用的研究也不斷深入。 企業(yè)的市場(chǎng)競(jìng)爭(zhēng)力是企業(yè)得以生存和發(fā)展的重要決定因素，而資金鏈的穩(wěn)健又是保證產(chǎn)品市場(chǎng)競(jìng)爭(zhēng)力的重要前提之一。隨著我國(guó)市場(chǎng)化的不斷深入，企業(yè)間的競(jìng)爭(zhēng)也日益激烈，如何在激烈的競(jìng)爭(zhēng)中生存和發(fā)展已經(jīng)成為企業(yè)面臨的一個(gè)重要戰(zhàn)略問(wèn)題。作為資金鏈條中非常重要的外部資金來(lái)源和經(jīng)營(yíng)手段，商業(yè)信用反應(yīng)了企業(yè)的市場(chǎng)化行為，同時(shí)作為企業(yè)一種重要的信用方式，其能否獲得、是否提供及相應(yīng)的數(shù)量比重都應(yīng)該受到企業(yè)產(chǎn)品市場(chǎng)競(jìng)爭(zhēng)的影響，商業(yè)信用行為是企業(yè)經(jīng)營(yíng)戰(zhàn)略選擇的一部分，企業(yè)商業(yè)信用行為選擇的戰(zhàn)略目標(biāo)是實(shí)現(xiàn)企業(yè)價(jià)值的最大化。但在目前，理論界缺乏企業(yè)產(chǎn)品市場(chǎng)競(jìng)爭(zhēng)對(duì)企業(yè)商業(yè)信用行為影響的相關(guān)研究。 基于以上背景，本文擬企業(yè)所處的宏觀競(jìng)爭(zhēng)環(huán)境及微觀競(jìng)爭(zhēng)環(huán)境即從行業(yè)競(jìng)爭(zhēng)程度及企業(yè)自身競(jìng)爭(zhēng)能力兩個(gè)維度對(duì)企業(yè)商業(yè)信用行為的影響進(jìn)行研究，，即研究在我國(guó)經(jīng)濟(jì)轉(zhuǎn)型背景下市場(chǎng)集中度和企業(yè)市場(chǎng)份額對(duì)企業(yè)的商業(yè)信用提供及獲取產(chǎn)生了怎樣的影響。 文章第一部分對(duì)產(chǎn)品市場(chǎng)競(jìng)爭(zhēng)與商業(yè)信用行為研究的研究背景及研究意義進(jìn)行分析并闡述本文的研究思路與框架。 第二部分分國(guó)外和國(guó)內(nèi)兩部分對(duì)文獻(xiàn)進(jìn)行綜述，其中國(guó)外文獻(xiàn)分別對(duì)商業(yè)信用的存在動(dòng)機(jī)，產(chǎn)品市場(chǎng)競(jìng)爭(zhēng)與商業(yè)信用行為的研究進(jìn)行系統(tǒng)的歸納和總結(jié)。國(guó)內(nèi)部分對(duì)國(guó)內(nèi)最新的研究進(jìn)行歸納和總結(jié)。通過(guò)文獻(xiàn)的歸納和總結(jié)為研究假設(shè)的提出提供理論基礎(chǔ)。最后對(duì)國(guó)內(nèi)外的研究進(jìn)行評(píng)述，闡明本文的研究方向。 第三部分梳理了產(chǎn)品市場(chǎng)競(jìng)爭(zhēng)理論的發(fā)展及國(guó)內(nèi)外研究中常用的衡量指標(biāo)，另外根據(jù)我國(guó)現(xiàn)實(shí)情況對(duì)我國(guó)的商業(yè)信用風(fēng)險(xiǎn)進(jìn)行分析，以此為基礎(chǔ)運(yùn)用博弈論對(duì)產(chǎn)品市場(chǎng)競(jìng)爭(zhēng)對(duì)商業(yè)信用行為的影響機(jī)理進(jìn)行分析。從理論上推導(dǎo)得出隨著行業(yè)壟斷程度的減弱，企業(yè)提供的商業(yè)信用增多，獲取的商業(yè)信用減少；隨著企業(yè)市場(chǎng)份額的減少，它所獲取的商業(yè)信用減少，而提供的商業(yè)信用增多。 第四部分對(duì)我國(guó)制造業(yè)公司獲取的商業(yè)信用和提供的商業(yè)信用及商業(yè)信用凈額的情況進(jìn)行了統(tǒng)計(jì)，發(fā)現(xiàn)2008年至2012年平均值中，獲取商業(yè)信用最多的是機(jī)械設(shè)備儀表行業(yè)，提供商業(yè)信用最多的也是機(jī)械設(shè)備儀表行業(yè)。獲取商業(yè)信用最少的是紡織服裝皮毛行業(yè)，提供商業(yè)信用最少的是食品飲料行業(yè)。凈商業(yè)信用的取得方面存在很大差異，電子行業(yè)的凈商業(yè)信用為負(fù)值，說(shuō)明電子行業(yè)獲取的商業(yè)信用比提供的商業(yè)信用少。凈商業(yè)信用獲取最多的行業(yè)是食品飲料行業(yè)。初步說(shuō)明，企業(yè)商業(yè)信用行為跟行業(yè)因素有關(guān)，不同行業(yè)商業(yè)信用提供和獲取的數(shù)量存在差異。 第五部分為實(shí)證研究部分，根據(jù)商業(yè)信用競(jìng)爭(zhēng)理論、商業(yè)信用的融資動(dòng)機(jī)理論及國(guó)內(nèi)外對(duì)于這一問(wèn)題的研究成果結(jié)合我國(guó)的商業(yè)信用制度背景提出研究假設(shè)，分宏觀角度和微觀角度即從行業(yè)競(jìng)爭(zhēng)環(huán)境和企業(yè)自身競(jìng)爭(zhēng)能力兩個(gè)方面，通過(guò)對(duì)我國(guó)制造業(yè)企業(yè)連續(xù)五年的數(shù)據(jù)進(jìn)行回歸分析得出結(jié)論：隨著行業(yè)競(jìng)爭(zhēng)程度的增強(qiáng)，行業(yè)內(nèi)企業(yè)商業(yè)信用的提供增加，獲取的商業(yè)信用減少。隨著企業(yè)市場(chǎng)份額的增大，企業(yè)提供給下游企業(yè)的商業(yè)信用有所下降，與簡(jiǎn)單的博弈模型的結(jié)果是一致的。這說(shuō)明在我國(guó)信用制度不健全的情況下，位于市場(chǎng)競(jìng)爭(zhēng)中有利位勢(shì)的企業(yè)為了避免財(cái)務(wù)風(fēng)險(xiǎn)而不愿提供更多的商業(yè)信用，而那些市場(chǎng)位勢(shì)低的企業(yè)在激烈的市場(chǎng)競(jìng)爭(zhēng)中為了獲取市場(chǎng)份額而提供更多的商業(yè)信用，這也印證了商業(yè)信用的競(jìng)爭(zhēng)假說(shuō)及Paul，etal（2007）的研究的結(jié)論：在激烈的市場(chǎng)競(jìng)爭(zhēng)環(huán)境下，企業(yè)通過(guò)提供商業(yè)信用來(lái)擴(kuò)大客戶群，提升企業(yè)的市場(chǎng)份額，在競(jìng)爭(zhēng)中取得優(yōu)勢(shì)地位。而企業(yè)獲取的商業(yè)信用與產(chǎn)品市場(chǎng)競(jìng)爭(zhēng)呈正比，說(shuō)明市場(chǎng)位勢(shì)越高的企業(yè)獲取的商業(yè)信用越多，這與博弈模型的結(jié)論是一致的。 第六部分根據(jù)實(shí)證結(jié)果得出結(jié)論并給出宏觀和微觀的建議，就文章的研究不足進(jìn)行了分析，對(duì)未來(lái)的研究作了展望。
[Abstract]:Commercial credit is a kind of behavior is very important in the enterprise market behavior, business credit availability and access are part of the strategic decision of enterprises. With the rapid development of the globalization of the market economy, commercial credit of enterprises rose in importance, research on commercial credit theory deeply.
The market competitiveness of enterprises is an important decision of enterprise survival and development of the factors, and the robust capital chain is an important prerequisite to ensure the market competitiveness of the products. With the deepening of market economy, the competition between enterprises has become increasingly fierce, how in the fierce competition for survival and development has become an important strategic issue for enterprises. As a very important chain of funds in the external sources of funding and management means, commercial credit reflects the market behavior of enterprises, at the same time as an important business credit, it can obtain the effect, whether to provide and the proportion of the number of corresponding should be the product market competition, commercial credit behavior is a part of the enterprise management strategy, strategy choice of enterprise commercial credit behavior is to maximize the value of the enterprise. But at present, the theoretical circle is lack of enterprises The related research on the impact of market competition on business credit behavior.
Based on the above background, to study the effects of two dimensions of the enterprise's macro competitive environment and micro competition environment from the degree of competition in the industry and the enterprise's competition ability of business credit behavior, namely research in the background of economic transformation in China under the market concentration and market share of the enterprise business credit supply and acquisition what's the impact.
The first part of the article analyzes the research background and significance of the research on product market competition and commercial credit behavior, and expounds the research ideas and framework of this paper.
The second part is divided into two parts of foreign and domestic literature review of foreign literature, which were of commercial credit in existing research motivation, product market competition and commercial credit behavior are systematically summarized. Sum up the domestic part of the domestic latest research. Provides theoretic foundation through the literature and summarized the research hypothesis is reviewed. Finally, the research at home and abroad, expounds the research direction of this paper.
The third part reviews the measure of common research and development at home and abroad, the product market competition theory, according to the reality of our country to our country's commercial credit risk analysis based on game theory is applied to the mechanism of the effect of product market competition on commercial credit behavior were analyzed. Theoretically derived with the weakening of industry the degree of monopoly, providing commercial credit for commercial credit increase, reduce with the decrease; the enterprise market share, it gets the commercial credit reduced, and provide business credit increased.
The statistics of the fourth part of our manufacturing companies acquiring and providing commercial credit and commercial credit net situation, found that from 2008 to 2012 average, access to commercial credit is the largest mechanical equipment instrument industry, commercial credit is also the most mechanical equipment instrument industry. To obtain commercial credit is the least textile and garment fur industry, commercial credit is the least of the food and beverage industry. There are great differences made net commercial credit, the electronics industry net commercial credit is negative, that electronic industry to obtain commercial credit than commercial credit. The maximum net commercial credit industry is the food and beverage industry. Initially, the business credit behavior with the industry factors, number of different industries provide commercial credit and obtain difference.
The fifth part is the empirical research, according to the commercial credit financing competition theory, motivation theory of commercial credit and the domestic and foreign research achievements about this problem with China's commercial credit system background put forward hypotheses, two aspects from the perspective of macro and micro competition environment and the enterprise's competition ability, by manufacturing the China's enterprises for five consecutive years of data for regression analysis concluded that: with the increase of the degree of competition in the industry, providing increased industry business credit, business credit gets reduced. With the increase of market share of companies, enterprises provide to downstream enterprises, commercial credit has declined, and a simple game model is consistent with the results of. This shows that in China's credit system is not perfect, in the market competition advantage potential enterprises in order to avoid the financial risk and not willing to mention For more commercial credit, and the market potential is low in fierce competition in the market in order to obtain market share and provide more business credit, which also confirms the competition hypothesis and Paul commercial credit, etal (2007) study concluded: in the fierce market competition environment, the enterprise by providing business credit to expand customer base, enhance the enterprise's market share, make the advantage position in the competition. The enterprises to obtain commercial credit and product market competition is directly related to the more commercial credit market potential is high for the enterprises, which is consistent with the conclusions of the game model.
The sixth part comes to the conclusion based on the empirical results and gives the macro and micro suggestions, analyzes the shortage of the article, and looks forward to the future research.

【學(xué)位授予單位】：云南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F425;F275

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