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正确解读互联网风口上的供应链金融

摘要:广东11选5 供应链金融系统,是建立在移动互联网、云计算、大数据、物联网等新技术的基础之上,在支付结算、贸易融资等领域借助虚拟经济助推实体经济,为大企业探索全球化竞争中可持续的发展之道

 

GONGYINGLIANJINRONGXITONG,SHIJIANLIZAIYIDONGHULIANWANG、YUNJISUAN、DASHUJU、WULIANWANGDENGXINJISHUDEJICHUZHISHANG,ZAIZHIFUJIESUAN、MAOYIRONGZIDENGLINGYUJIEZHUXUNIJINGJIZHUTUISHITIJINGJI,WEIDAQIYETANSUOQUANQIUHUAJINGZHENGZHONGKECHIXUDEFAZHANZHIDAO,WEIZHONGXIAOQIYECHENGZHANGTIGONGBIANJIEDERONGZIFUWU。GONGYINGLIANJINRONGXIEYOUYILUNXINJISHUDEFENGLEI,XIJUANERXIA,WEIWOMENDAILAIXINDE“CHUNTIANDEXINXI”!

供应链金融管理系统广东11选5兴起的本质起源于供应链管理我们都知道一个产品的生产过程分为三个阶段,即原材料——中间产品——成产品。在产品生产的不同阶段需要不同的人分工进行生产,在很久很久以前,因为市场交易成本的限制等原因,企业大多都仅在内部完成一个产品完整的生产过程,即所谓的企业内分工,这时候的产品由于大规模统一制作,类型比较单一。随着人们手头渐渐富裕,消费升级,单一类型的产品显然不能满足人们的需求,这时技术也完成升级同时工业化水平提高,产品的生产模式就由原来的企业内分工转向为企业间分工。

YIXIEQIYEWANCHENGCHANPINYUANCAILIAODESOUJI,YIXIEQIYEGONGTONGFENHUANJIEWANCHENGCHANPINDEZHIZUOJIAGONGGUOCHENGBINGDUIJIEXIAYOUDEJINGXIAOSHANGYOUTAMENWANCHENGCHANPINDEXIAOSHOU,ZHEIYITIAOLIANSHIDEGONGNENGJIEGOUJIUSHIWOMENSUOSHUODEGONGYINGLIAN。QIYENEIBUDEGUANLIZHIYAOYOUGUANLIQIYEDELAODAZUOCHUJUECEJIKE,NEIMESHEJIDAODUOGEQIYEDEGONGYINGLIANYINGGAIRUHEGUANLINI?GONGYINGLIANZHONGYEYOUZIJIDELAODA,YINWEIZISHENGUIMOJIAODA,FAZHANJIAOHAO,XINYONGJIAOGAOJIUYONGYOUJUEDUIDEHUAYUQUAN,ZHEIGEQIYEZAIGONGYINGLIANZHONGWOMENCHENGZHIWEIHEXINQIYE。

广东11选5HEXINQIYEZAIGONGYINGLIANJINRONGGUANLIXITONGZHONGSHIFENQIANGSHI,MIANDUISHANGYOU,HEXINQIYEKEYIBUNAXIANJINJINXINGJIAOYI,WANGWANGCAIYONGDESHISHEZHANGDEFANGSHI,JIJISHANGYOUDEZHONGXIAOQIYEYIGEZHIFUPINGZHENG,DAOQIWOZAIZHIFUZHANGKUAN,ERMIANDUIXIAYOU,HEXINQIYEYOUBUYUNXUSHEZHANGXINGWEI,XIAYOUDEZHONGXIAOQIYEJITADUOSHAOQIAN,TAJIUJIDUOSHAOHUO,ZHEIDUIHEXINQIYELAISHUOSHIMANMANDEHAOCHUDANDUIYUSHANGXIAYOUDEGONGYINGSHANGGUANLIXITONGPINGTAIZHONGXIAOQIYELAISHUOQUEDADAZENGJIALEZIJINYALI。

MEIQIANZENMEBAN?JIEBEI。DANSHIZHONGXIAOQIYERONGZINANZAIZHONGGUOSHEHUIYIZHISHIGELAODANANDEWENTI,ZISHENXINYONGJIBIEJIAODI、GUDINGZICHANDENGDIYADANBAOPINSHAO、JINGYINGGUANLIBUSHAN、CAIWUXINXIBUTOUMINGDENGYUANYINSHIDEZHONGXIAOQIYEBUSHOUYINXINGDENGJINRONGJIGOUQINGLAI。YUZHIHEZUODEHEXINQIYENENGFOULIYONGZISHENLIANGHAOXINYONGBANGZHUZHONGXIAOQIYEQUDEJINRONGJIGOUDEDAIKUANNI?GONGYINGLIANJINRONGGUANLIXITONGYINGYUNERSHENG。

供应链金融管理系统是啥?

GONGYINGLIANJINRONGGUANLIXITONGSHIZHIYIHEXINKEHUWEIYITUO,YIZHENSHIMAOYIBEIJINGWEIQIANTI,YUNYONGZICHANGXINGMAOYIRONGZIDEFANGSHI,TONGGUOYINGSHOUZHANGKUANZHIYA、HUOQUANZHIYADENGSHOUDUANFENGBIZIJINLIUHUOZHEKONGZHIWUQUAN,DUIGONGYINGLIANSHANGXIAYOUQIYETIGONGDEZONGHEXINGJINRONGCHANPINHEFUWU。

广东11选5GONGYINGLIANJINRONGPINGTAIDEBENZHISHIXINYONGRONGZI,ZAICHANYELIANTIAOZHONGFAXIANXINYONG。ZAICHUANTONGFANGSHIXIA,JINRONGJIGOUTONGGUODISANFANGWULIU、CANGCHUQIYETIGONGDESHUJUYINZHENGHEXINQIYEDEXINYONG、JIANGUANRONGZIQUNTIDECUNHUO、YINGSHOUZHANGKUANXINXI。ZAIYUNSHIDAI,DAXINGHULIANWANGGONGSIPINGJIEQISHOUZHONGDEDASHUJUCHENGWEIGONGYINGLIANRONGZIXINGUI,MAYIJINRONG、JINGDONG、SUNINGDENGDOUSHIDIANXINGDAIBIAO。XIAMIANWOMENDUIGONGYINGLIANJINRONGDEMOSHIJINXINGYIYIFENXI。

供应链金融系统的三种模式

YIBANLAISHUO,GONGYINGLIANXITONGZHONGXIAOQIYEDEXIANJINLIUQUEKOUJINGCHANGHUIFASHENGZAICAIGOU、JINGYINGHEXIAOSHOUSANGEJIEDUAN。ZAICAIGOUJIEDUAN,YIFANGMIANJUYOUJIAOQIANGSHILIQIYECAIGOUPINGTAIGONGYINGSHANGWANGWANGHUILIYONGZISHENDEQIANGSHIDIWEIYAOXIEXIAYOUGOUMAISHANGJINKUAIFUKUAN,GONGYINGLIANJINRONGGUANLIXITONGDESHANGPINJIAGEBODONGYEHUIJIXIAYOUQIYECAIGOUDAILAIJUDAZIJINQUEKOU。ZAIRICHANGYUNYINGJIEDUAN,ZHONGXIAOQIYEYINWEIKUCUN、XIAOSHOUBODONGDENGYUANYINJIYADALIANGCUNHUO,ZHANYONGDALIANGLIUDONGZIJIN,JIQIYEZAOCHENGZIJINZHOUZHUANKUNNAN。ZAIXIAOSHOUJIEDUAN,RUGUOMIANDUIDESHIJUYOUJIAOQIANGSHILIDEGOUHUOFANG,HUOKUANSHOUHUIQIJIAOZHANG,YEJIQIYEDAILAILIUDONGZIJINDUANQUEDEFENGXIAN。

供应链金融模式目前主要有三种,分别是应收账款融资、保兑仓融资、动产质押融资三种模式。

1、应收账款融资模式

ZHIQIYEWEIQUDEYUNYINGZIJIN,YIMAIFANGYUMAIFANGQIANDINGZHENSHIMAOYIHETONGCHANSHENGDEYINGSHOUZHANGKUANWEIJICHU,WEIMAIFANGTIGONGDE,BINGYIHETONGXIANGXIADEYINGSHOUZHANGKUANZUOWEIDIYIHAIKUANLAIYUANDERONGZIYEWU。

2、保兑仓融资模式:

JIYUGONGYINGLIANJINRONGGUANLIPINGTAIDEBAODUICANGRONGZIMOSHISHIZAICANGCHUJIANGUANFANG(WULIUQIYE)CANYUXIADEBAODUICANGYEWU,RONGZIQIYE、HEXINQIYE(MAIFANG)、CANGCHUJIANGUANFANG、YINXINGSIFANGQIANSHU“BAODUICANG”YEWUHEZUOXIEYISHU,CANGCHUJIANGUANFANGTIGONGXINYONGDANBAO,MAIFANGTIGONGHUIGOUDANBAO,YINXINGWEIRONGZIQIYEKAICHUYINXINGCHENGDUIHUIPIAO。

3、动产质押融资模式

广东11选5ZHIRONGZIRENYIQICUNHUOWEIZHIYA,BINGYIGAICUNHUOJIQICHANSHENGDESHOURUZUOWEIDIYIHAIKUANLAIYUANDERONGZIYEWU。GONGYINGLIANJINRONGPINGTAIQIYEZAISHENQINGRONGTONGCANGJINXINGRONGZISHI,XUYAOJIANGHEFAYONGYOUDEHUOWUJIAOFUYINXINGRENDINGDECANGCHUJIANGUANFANG,ZHIZHUANYIHUOQUANBUZHUANYISUOYOUQUAN。ZAIFAHUOYIHOU,YINXINGGENJUWUPINDEJUTIQINGKUANGANYIDINGBILI(RU60%)WEIQIRONGZI,DADAJIASULEZIJINDEZHOUZHUAN。

MUQIANGUONEIGONGYINGLIANRONGZIPINGTAIZHUYAOZUOYINGSHOUZHANGKUANXIANGXIARONGZI。ZHEIQIZHONG,YOUFENWEIMAOYIXIANGXIA,XINDAIXIANGXIA,JINGYINGWUYEXIANGXIASANLEI,QIBENZHIDOUSHIJIYUWEILAIKEYUCE、WENDING、QUANSHUQINGXIDEXIANJINLIULAIJINXINGRONGZI。ZHEIZHONGRONGZIFANGSHIKUAISUPANHUOLEZHONGXIAOWEIQIYEDEZHUTIZICHAN——YINGSHOUZHANGKUAN,SHIDEZHONGXIAOWEIQIYENENGGOUKUAISUHUODEWEICHIHEKUODAJINGYINGSUOBIXUDEXIANJINLIU,HENHAODEJIEJUELEZHEIXIEZHONGXIAOWEIQIYEHUIKUANMANERQIERONGZINANDEWENTI。

供应链金融系统模式在互联网中的发展

CONGSHANGWENZHONGWOMENKEYIDAZHIKANDAO,HEXINQIYEZAIGONGYINGLIANJINRONGPINGTAIMOSHIZHONGLIYONGZISHENXINYONGYIJIYUJINRONGJIGOUQIANDINGDANBAOXIEYIBANGZHUZHONGXIAOQIYEHUODERONGZI,DANSHIMOSHIDUIYUHEXINQIYELAISHUO,KANDEJIANDEHAOCHUSHIZAIGUOSHAO,CUJINSHANGYOUQIYEDEDINGDANJIESHOUNENGLI,CUJINXIAYOUQIYEDEXIAOSHOUNENGLI,XINGCHENGZHENGGEGONGYINGLIANDELIANGXINGXUNHUAN,ZHEIBINGHUADEHENDA,HUASHUODEHENMEI,SHISHISHANGHEXINQIYEZAIKAOLVFENGXIAN(XUYAOQIANSHUHUOWUHUIGOUXIEYI,ZIXINGCHULIDAPIHUOWUDEFENGXIAN)HEHUIBAO(ZHIYOUJIANJIEHAOCHU,ZHIJIEHAOCHUGUOSHAO,HUIBAOSHIJIANZHANG)HOUZAIGONGYINGLIANJINRONGMOSHIZHONGJIJIXINGBINGBUDA,ZHEIYEJIUSHICHUANTONGGONGYINGLIANJINRONGFAZHANDEBUWENBUHUODEYUANYINBA。

考虑到这一原因,互联网供应链金融平台利用互联网技术对于数据的收集分析处理能力,依靠数据的处理分析去建立完善中小企业的信用评价,从而弱化核心企业在企业供应链金融模式中的重要作用,并且依靠互联网,核心企业可以将交易数据实时上传,平台可以对数据实时分析,从而去预测把控中小企业的一个运营情况,发现不对的苗头便可进行处理,可以说供应链金融平台模式依靠互联网得到了很好地完善,对此,我只想问一个问题。我们都知道金融中最重要的就是风控,互联网对于企业供应链金融虽然在风险防范中做出了优化,那么当风险真的发生,比如中小企业跑路或者无还款能力了,核心企业此时并无担保,那平台就要肩负处理货物的重任了吗?

数商云电商系统开发公司在这里还有几点需要补充的的就是:

1、MUQIANHEXINQIYE,LIYONGZIJIHEZHONGXIAOQIYEDEXINYONGCHA,YIJINGKEYICONGJINRONGJIGOUHUODEBUFENZHIJIELIYI,ZHEISHITAMENYOUCANYUGONGYINGLIANJINRONGDEDONGLI;

2、对于互联网和供应链金融系统的关系,我自己的理解是企业供应链金融的目的是利用资金流润滑供应链上的贸易流通,但供应链上物流、现金流和信息流三者缺一不可,必须保证同步,互联网平台的出现正好补齐了共享信息流这个短板,也将供应链协同提升到了一个更高的层次;

3、HULIANWANGPINGTAIWEIGONGYINGLIANJIAOYITIGONGLEQUANFANGWEIDEXINXIZHICHENG,JIYUWANZHENG、TOUMINGDEGONGXIANGSHUJU,GONGYINGLIANJINRONGXITONGDEWEIYUEFENGXIANYIDINGKEYIZHUANYIDAOXIANGYINGDEBAOXIANCHANPINZHONGXIAOHUA。

2017NIAN,ZAIGONGYINGLIANJINRONGPINGTAILINGYU,WOMENRENGRANKANBUDAOHONGHONGLIELIEDESHENGSIDAXI,ERSHIWENHENEILIANDEWENJIANBULV。GONGYINGLIANJINRONGPINGTAIJIURUYIGEHUANMANSUXINGDEJUREN,JINNIAN,TAZHENGKAILEYAN;MINGNIAN,TAJIANGQISHEN,HUANMANQIANXING。

 

文章来源:http://www.shushangyun.com/article-893.html

作者:云朵匠 | 数商云(微信ID:shushangyun_com)

【麦多商城mssreps.com】是一家企业级电商系统开发服务商,专注于为企业级商家提供高品质的电子商务网站搭建服务,服务涵盖:购物商城系统、电子商务系统网站搭建、小程序商城定制等一站式电子商务解决方案

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