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MBA论文_云票在施工企业供应链金融中运用研究以SH航道局为例

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云票在施工企业供应链金融中运用研究——以 SH航道局为例


2019年新冠疫情暴发以后,短期内宏观市场经济下行,我国大量企业因资金链断裂
而濒临破产。供应链金融的运用,能在一定程度上帮助企业渡过资金难关、延续企业生
命,成为当下热门的研究课题。在企业之间进行真实的交易时,运用供应链金融业务,
将核心企业闲置的授信额度共享给上下游准入中小企业,一方面可以缓解核心企业的现
金流压力,降低带息负债,助推核心企业转型升级;另一方面能够在一定程度上解决中
小企业融资难、繁、贵的问题,为企业提供生命之源——资金;同时可以响应国家号召,
实现“普惠金融”,可谓多方共赢。我国近年来也连续颁布多条配套政策以促进供应链
金融的发展。施工企业在中国实体经济中的战略地位至关重要,是劳动密集型、资金密
集型企业,自身规模庞大、应收账款数额庞大且逐年增加,上下游中小企业占比达到 80%,
因此极其需要供应链金融业务来满足其高频、短期的融资需求,是十分具有代表性的研
究对象。本文选取施工企业供应链金融产品云票为例进行案例研究,对于促进施工企业
完善供应链产品及服务,进一步提升价值、完善供应链金融的研究体系,具有一定的现
实意义。
SH航道局是我国疏浚行业中的龙头企业,目前参建了我国数十项国家和省市重点
项目,并荣获多项奖项。SH航道局于 2020年 9月正式启用供应链金融云票业务,虽然
时间较短,但云票是 SH航道局自主研发的供应链金融产品,独立性强,且目前已取得
了较为显著的成效,其做法具有一定的代表性。因此,本文选取 SH航道局的供应链金
融业务云票案例进行分析,总体分为五大块:前两块是引言和案例运用背景介绍,着重
介绍了供应链金融的研究背景、意义及现状;后三块则分别是案例介绍、案例分析,最
后得出论文结论与建议。本文主要运用的研究方法是文献研究法、案例分析法,重点分
析云票在施工企业供应链金融运用中的模式和效果,对于其他同类型的企业运用供应链
金融业务具有一定的推广价值与借鉴意义。
本文首先在导论部分针对供应链金融主题,在国内外范围内梳理目前存在的有关研
究,发现目前研究文献比较缺乏针对具体行业的供应链金融研究、以及比较缺乏核心企
业自建供应链平台的产品研究,针对这两点确定了研究方向,制定了研究思路、方法与
研究框架。云票案例运用背景介绍部分则表述了供应链金融的定义、参与主体和云票的
定义,并从行业整体发展的需求、公司高质量发展的需求、国家政策支持三方面阐述了
云票对于施工企业供应链金融运用的必要性。案例介绍部分叙述了公司简介及云票业务
模式,介绍了公司业务板块,以及云票运作的流程。案例分析部分总结了云票的特点、
定量结合实例的形式分析了云票为施工企业带来的成效与问题,并用图表形式展现。本
文最后得出三大结论:一是施工企业运用云票有利于提升自身考核指标;二是施工企业
I

摘要
运用云票可以惠及银行及供应商;三是施工企业运用云票依然面临重重制约。同时,归
纳四点建议:一是施工企业应严格执行资金计划,避免到期集中兑付带来资金压力;二
是施工企业应进一步开发系统,减少人工操作部分可能带来的差错;三是施工企业应在
招投标环节引入竞争机制,避免供应商转嫁融资成本造成项目毛利率降低;四是施工企
业应持续增加合作银行名单,并引导用户提前完成注册手续,增加用户对于云票运用平
台的满意度。
目前云票的应用时间还不够长,其发展效果与问题还有待进一步发现与研究。
关键词:供应链金融;施工企业;云票
II

云票在施工企业供应链金融中运用研究——以 SH航道局为例
Abstract
After the outbreak of the COVID-19 in 2019, the macro-market economy is going down
in a short period of time, and a large number of enterprises in China are on the verge of
bankruptcy because of the broken capital chain. The use of supply chain finance (hereinafter
referred to as SCF) can help enterprises to a certain extent to tide over the financial
difficulties, the continuation of corporate life, it has become a hot research topic. The use of
SCF is based on the real trading background, the core enterprise's idle credit line is shared to
the related parties. On the one hand, it can help core enterprises in terms of cash flow pressure,
reduce interest-bearing liabilities, promote core enterprises transformation and upgrading; On
the other hand, it can solve the financing problems of small and medium-sized enterprises to a
certain extent, and provide enterprises with capital, the source of life; At the same time, it can
respond to the national call and achieve "Inclusive Finance", which can be described as
win-win situation. In recent years, China has promulgated a number of supporting policies to
promote the development of SCF. Construction enterprises play an important role in China's
real economy, which is labor-intensive, capital-intensive enterprises, its' own scale is huge,
the amount of accounts receivable is huge and increasing year by year, small and
medium-sized enterprises accounted for 80% of upstream and downstream enterprises,
therefore, SCF is extremely needed to meet its' high-frequency and short-term financing needs,
it is a very representative research object. This thesis selects the cloud ticket of SCF products
of construction enterprises as an example for case study, to promote the construction
enterprise to improve the supply chain products and services, further enhance value, improve
the research system of SCF, it has a certain practical significance.
SH Dredging company is a leading enterprise in China's dredging industry, currently
participated in dozens of national and provincial key projects, and won a number of awards.
SH Dredging company officially launched the SCF cloud ticket business in September 2020,
although the time is short, but the cloud ticket is a SCF business independently developed by
SH Dredging company, it has strong independence. At present, it has achieved remarkable
results, and its practice has a certain representative. Therefore, this thesis selects the cloud
ticket case of SCF business of SH Dredging company for analysis, the whole thesis is divided
into five parts: the first two parts are introduction and case application background, mainly
introduced the research background , significance and research status ; The last three parts are
case introduction and case analysis , and finally draws conclusions and suggestions. This
III
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