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关键词:企业资源计划(ERP)、供应链金融、业务模式、中小企业
作 者:邢 彩
指导老师:刘 亮II
Research on the ERP-Based Supply Chain Finance
--A case study of China CITIC Bank
ABSTRACT
Supply chain finance,as an important way to open up a new financing channel for
small andmedium-sized enterprise that are lack of credit, solve the problems that they are
hard to get loansbecause of the high cost. Supply chain finance also helps commercial
banks to expand the scopeas well as increased the number of business, rich product
variety , and receives intermediatebusiness income and derivative revenue. This
multi-win-win pattern has been focused more andmore by either enterprises or commercial
banks. Enterprise resource planning (ERP) combinefinancial, procurement, production,
sales, inventory and other business functions into a singleinformation management
platform, achieve enterprise information standardization, systemsintegration, and
business process running rationalization , monitoring dynamic performance
andmanagement improvement steps. In this paper, I analyzed the potential risks in supply
chainfinance. Based on commonmodels and ERP, I created a new mode which will
improve theeffectiveness of supply chain finance and bring down the risks.
Key words: Enterprise Resource Planning(ERP); supply chain finance;business
model;small and medium-sized enterprise
Written by Xing Cai
Supervised by Liu Liang
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目 录
第一章 绪 论 .......1
1.1 研究背景 ..........1
1.1.1 中信银行自身发展的需要1
1.1.2 中小微企业经营发展的需要........1
1.1.3 支持小微企业发展的监管需要....2
1.1.4 供应链金融发展前景广阔3
1.2 研究的意义 ......3
1.3 研究的方法、思路与框架 ......4
1.3.1 研究方法....4
1.3.2 研究思路....4
1.3.3 研究框架....5
1.4 本研究可能的创新 ......5
第二章 相关理论及研究综述 .......6
2.1 相关理论 ..........6
2.1.1 信息不对称理论....6
2.1.2 自偿性贸易融资理论........6
2.1.3 信贷配给理论........7
2.1.4 理论联系论文........8
2.2 国内外研究综述 ..........8
2.2.1 ERP 的内涵 ...........9
2.2.2 供应链金融的概念9
2.2.3 供应链金融的运作模式..11
2.2.4 供应链金融的风险分析..12
2.2.5 文献述评..13
第三章 国内银行供应链金融业务现状、特点及风险分析.........15
3.1 发展现状 ........15
3.1.1 深圳发展银行率先试水..15
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3.1.2 其他银行纷纷跟进..........16
3.1.3 银行主导的供应链金融几类融资模式..17
3.1.4 国内供应链金融业务的倾向性..20
3.1.5 线上供应链金融业务将成为主流方向..21
3.2 业务特点 ........21
3.2.1 服务对象为供应链上的整个客户群体..21
3.2.2 以真实的贸易背景和贸易合同为基础..22
3.2.3 封闭性、自偿性和连续性..........22
3.2.4 业务具有多方共赢的特点..........22
3.2.5 风险特征较为复杂..........23
3.3 存在的问题 ....23
3.3.1 法律法规不健全..23
3.3.2 技术支持相对薄弱..........23
3.3.3 中介机构资质参差不齐..24
3.3.4 商业银行方面的问题......24
3.3.5 其他参与者的冲击..........24
3.4 风险分析 .....
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