供应链金融创新机制:共生系统的优势资源整合与弱势信贷突破  

Innovation Mechanism of Supply-chain Finance:Integration of Superior Resources and Breakthrough of Weak Credit in Symbiosis System

作　　者：马娟[1,2] 万解秋[2] 

机构地区：[1]南通大学商学院,江苏南通226019 [2]苏州大学商学院,江苏苏州215021

出　　处：《金融发展研究》2016年第5期67-72,共6页Journal Of Financial Development Research

基　　金：江苏省教育厅高校哲学社会科学研究资助项目(项目编号:2013SJB790046)

摘　　要：供应链金融是一种共生系统,其运作过程同时也是各共生主体基于共赢的资源整合过程。供应链金融的价值创造既是一种共生协同效应,又是一种资源整合效应。本文借助共生理论和资源整合理论,构建了供应链金融价值创造的理论解释框架:供应链金融共生系统的最终目标是各共生单元的协同共赢,中介目标是中小企业弱势信贷的突破,实现手段为各共生单元的优势资源整合;从优势资源整合到中小企业弱势信贷突破,主要通道为供应链联盟信用资源的共用以及物流与金融资源的互补,而基于信息化基础上的各共生单元同步协同确保了上述两通道的畅通与高效。The operation process of supply-chain finance which can be realized as a symbiotic system is also the process of symbiotic units＇ resource integration for the pursuit of win-win. Therefore, the value creation in supply- chain finance is a symbiotic synergy effect as well as a resource integration effect. And that is why the theories involv- ing symbiosis theory and resource integration theory can be adopted as a theoretical framework to explain the value-cre- ating process of supply-chain finance. With the ultimate goal of cooperative win-win for the symbiosis units, the symbi- osis system of supply-chain finance has an intermediary goal of making breakthroughs in the weak credit market for small-and-medium sized enterprises and that is accomplished through integrating superior resources between symbiotic units. It is the sharing of credit resources in supply chain alliance and the complement between logistics resources and fi- nancial resources that are the two main channels from the integration of superior resources to breakthrough of SMEs＇ weak credit. In the meantime, the fluency and efficiency of two channels mentioned above is guaranteed by the syn- chronous collaborative operation based on the information technology.

关 键 词：供应链金融 共生系统 优势资源整合 弱势信贷突破 

分 类 号：F832.4[经济管理—金融学]