基于电子商务平台的供应链融资收益研究
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摘要
在经济、信息全球化的今天,随着信息技术的高速发展,电子信息网络系统技术迅速成长以及供应链生产模式的繁荣发展,基于电子商务平台的供应链融资模式营运而生。这种全新的供应链融资模式,进一步了增强中小企业融资能力,降低了银行放贷风险,提升了供应链整体运作的稳定性与平滑性。目前学术界和业界已经从资金流、物流与信息流协同,以及企业间的作业协同等多个角度和层面,对电子商务与供应链融资结合运用的可能性与实现模式展开了深入且广泛的探索。
本文从电子商务平台供应链融资的产生背景和意义入手,对近年来的相关文献进行总结,归纳出了支撑电子商务平台下供应链融资发展的四大理论基础。在此基础上,分别对基于电子商务平台的供应链融资的核心概念以及相关理论进行了分析和阐释：研究基于电子商务平台的供应链融资的四种基本模式,并从多个角度与传统供应链融资模式进行了对比分析；利用系统动力学原理构建了基于电子商务平台的供应链融资收益影响因素体系,探索影响因素间相互作用关系,建立了相应的系统动力学模型。本文综合运用定性研究和定量研究的方法,力图定量、科学、严谨地诠释电子商务平台下供应链融资模式的深刻意义,以期为这种全新模型在现实中的运用提供一些有帮助的思路,为提升供应链整体绩效和缓解我国中小企业融资难困境需找新的出路。
本文的研究结论是：
1.基于电子商务平台的供应链融资模式的优势和创新之处在于：(1)信用风险屏蔽。(2)双重审核。(3)信用捆绑。
2.建立影响电子商务平台下供应链融资各方收益主要要素的解释结构模型,总共分为7层,通过层级模型可以很直观的分析影响因素对电子商务平台下供应链融资各方收益的影响。对于电子商务平台,其技术水平和成熟程度是影响电子商务平台收益的主要因素；融资参与企业的综合实力和企业规模是影响融资参与企业收益的主要因素；而金融企业的融资技术应用和创新意识是影响其收益的主要因素。
3.运用系统动力学对电子商务平台下供应链融资的参与各方收益进行模拟仿真结果表明,随着投资的增加,更多的是对于融资技术和核心企业自身能力等方面进行不断积累和巩固,随着量变导致质变,达到一定成熟期后,整体收益的增长较为明显。其次,投资额度的改变与融资业务的总收益不成线性关系。此外,投资比例的合理性与融资业务的总收益息息相关,直接决定了最终收益的效率问题。
With the rapid development of information technology and globalization of economic and information right now, electronic information network technology is rapidly growing, and the prosperity development of the production of supply chain mode, supply chain financing mode based on the E-commerce platform operation. This new mode of supply chain financing, further strengthen the small and medium-sized enterprise financing ability, reduce the risk of bank lending, improve the stability and smoothness of the overall operation of the supply chain. At present academia and the industry has been made a deep and wide range of exploration on the possibility of the use the electronic commerce and supply chain financing together and implementation mode from many angles and levels such as the cash flow, logistics and information flow coordination, and work coordination between enterprises and so on.
Starting from the background and significance of the E-commerce platform for supply chain financing, this article summarize the literature in recent years, summed up the four theoretical support the development of supply chain finance wit e-commerce platform. On this basis, it analyzed and interpreted the core concepts and related theory of supply chain finance based on the E-commerce platform:research contrast analyzed supply chain financing model from multiple angles and traditional based on four basic modes of supply chain finance based on E-commerce platform; it build a supply chain finance income factor system based on E-commerce platform using system dynamics principle, explore the interaction between influencing factors and established the system dynamics model. This paper use methods of qualitative research and quantitative research, trying to quantitative, scientific, rigorous interpret profound significance of supply chain financing model based on e-commerce platform, in order to provide some helpful ideas for this new model in reality, and find a new way to improve the overall performance of the supply chain and ease the difficulties of SMEs financing.
The conclusions of this research are:
1. The advantages and innovations of Supply chain financing model based on the e-commerce platform lie in:(1) credit risk shielding.(2) double audit.(3) Credit bundled.
2. It built the interpretation structure model of main elements which affect parties' benefits of supply chain financing based on the e-commerce platform, the total is divided into7layers. Through the hierarchical model, it can be very intuitive analysis of influence factors on parties' benefits of supply chain financing based on the e-commerce platform. As for e-commerce platform, the technical level and maturity are the main factors influencing the earnings of e-commerce platform; Comprehensive strength and the enterprise scale of enterprise participating in Financing is the main factors influencing the earnings; And financing technology application and innovation of financial enterprises are the main factors affecting its revenue.
3.The simulation results of income of parties involved in supply chain finance based on the e-commerce platform using system dynamics, show that with the increase in investment, more accumulate and consolidate for financing technology and the ability of core business, with the quantitative result in qualitative change, after reach a certain maturity, the overall revenue grow obviously. Second, it is not a linear relationship between the change of the total income and the amount of investment in the finance business. In addition, the ratio of investment and income of financing business are closely related, directly determines the efficiency of the final revenue problem.
本文从电子商务平台供应链融资的产生背景和意义入手,对近年来的相关文献进行总结,归纳出了支撑电子商务平台下供应链融资发展的四大理论基础。在此基础上,分别对基于电子商务平台的供应链融资的核心概念以及相关理论进行了分析和阐释：研究基于电子商务平台的供应链融资的四种基本模式,并从多个角度与传统供应链融资模式进行了对比分析；利用系统动力学原理构建了基于电子商务平台的供应链融资收益影响因素体系,探索影响因素间相互作用关系,建立了相应的系统动力学模型。本文综合运用定性研究和定量研究的方法,力图定量、科学、严谨地诠释电子商务平台下供应链融资模式的深刻意义,以期为这种全新模型在现实中的运用提供一些有帮助的思路,为提升供应链整体绩效和缓解我国中小企业融资难困境需找新的出路。
本文的研究结论是：
1.基于电子商务平台的供应链融资模式的优势和创新之处在于：(1)信用风险屏蔽。(2)双重审核。(3)信用捆绑。
2.建立影响电子商务平台下供应链融资各方收益主要要素的解释结构模型,总共分为7层,通过层级模型可以很直观的分析影响因素对电子商务平台下供应链融资各方收益的影响。对于电子商务平台,其技术水平和成熟程度是影响电子商务平台收益的主要因素；融资参与企业的综合实力和企业规模是影响融资参与企业收益的主要因素；而金融企业的融资技术应用和创新意识是影响其收益的主要因素。
3.运用系统动力学对电子商务平台下供应链融资的参与各方收益进行模拟仿真结果表明,随着投资的增加,更多的是对于融资技术和核心企业自身能力等方面进行不断积累和巩固,随着量变导致质变,达到一定成熟期后,整体收益的增长较为明显。其次,投资额度的改变与融资业务的总收益不成线性关系。此外,投资比例的合理性与融资业务的总收益息息相关,直接决定了最终收益的效率问题。
With the rapid development of information technology and globalization of economic and information right now, electronic information network technology is rapidly growing, and the prosperity development of the production of supply chain mode, supply chain financing mode based on the E-commerce platform operation. This new mode of supply chain financing, further strengthen the small and medium-sized enterprise financing ability, reduce the risk of bank lending, improve the stability and smoothness of the overall operation of the supply chain. At present academia and the industry has been made a deep and wide range of exploration on the possibility of the use the electronic commerce and supply chain financing together and implementation mode from many angles and levels such as the cash flow, logistics and information flow coordination, and work coordination between enterprises and so on.
Starting from the background and significance of the E-commerce platform for supply chain financing, this article summarize the literature in recent years, summed up the four theoretical support the development of supply chain finance wit e-commerce platform. On this basis, it analyzed and interpreted the core concepts and related theory of supply chain finance based on the E-commerce platform:research contrast analyzed supply chain financing model from multiple angles and traditional based on four basic modes of supply chain finance based on E-commerce platform; it build a supply chain finance income factor system based on E-commerce platform using system dynamics principle, explore the interaction between influencing factors and established the system dynamics model. This paper use methods of qualitative research and quantitative research, trying to quantitative, scientific, rigorous interpret profound significance of supply chain financing model based on e-commerce platform, in order to provide some helpful ideas for this new model in reality, and find a new way to improve the overall performance of the supply chain and ease the difficulties of SMEs financing.
The conclusions of this research are:
1. The advantages and innovations of Supply chain financing model based on the e-commerce platform lie in:(1) credit risk shielding.(2) double audit.(3) Credit bundled.
2. It built the interpretation structure model of main elements which affect parties' benefits of supply chain financing based on the e-commerce platform, the total is divided into7layers. Through the hierarchical model, it can be very intuitive analysis of influence factors on parties' benefits of supply chain financing based on the e-commerce platform. As for e-commerce platform, the technical level and maturity are the main factors influencing the earnings of e-commerce platform; Comprehensive strength and the enterprise scale of enterprise participating in Financing is the main factors influencing the earnings; And financing technology application and innovation of financial enterprises are the main factors affecting its revenue.
3.The simulation results of income of parties involved in supply chain finance based on the e-commerce platform using system dynamics, show that with the increase in investment, more accumulate and consolidate for financing technology and the ability of core business, with the quantitative result in qualitative change, after reach a certain maturity, the overall revenue grow obviously. Second, it is not a linear relationship between the change of the total income and the amount of investment in the finance business. In addition, the ratio of investment and income of financing business are closely related, directly determines the efficiency of the final revenue problem.
引文
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