供应链预付账款融资模式与优化策略  

The Advance Payment Financing Mode and Optimization Strategy of Supply Chain Finance

作　　者：肖迪[1] 田军[2] 李祺[3] 

机构地区：[1]河南大学经济学院 [2]郑州航空工业管理学院 [3]郑州大学商学院

出　　处：《经济社会体制比较》2014年第3期83-87,共5页Comparative Economic & Social Systems

基　　金：河南省教育厅人文社会科学研究项目"河南城市基础设施建设投融资体系研究"(项目编号:2013-GH-250)

摘　　要：供应链金融预付账款融资模式是当前银行交易业务中最热门的话题之一。文章通过建立由供应商、经销商和金融机构(或银行)组成的单周期供应链企业融资策略模型,论证了影响供应链融资决策的主要相关因素,并对每个因素在企业融资和银行贷款过程中的变化进行了特征刻画,最后,通过实例计算出在供应链预付款融资策略中企业与银行的期望收益,验证了模型的有效性,并提出了优化策略。The advance payment financing mode is currently one of the hottest topics in bank transactions. By summarizing and analyzing research achievements, this paper establishes the financing strategy model of a single - cycle supply chain with a supplier, dealer and bank. The paper also discusses the main relevant factor influencing financing policy decision, and depicts the variation of the factor in enterprise financing and bank lending. Finally, the paper verifies the availability of the advance payment financing model through a numerical example and offers a strategy for improving it.

关 键 词：供应链金融 预付款融资模式 优化策略 

分 类 号：F830.2[经济管理—金融学]