论文总字数：27625字

摘 要

近年来，供应链管理作为一种新的管理模式，进入全世界企业界视野。一些突发事件的增多，例如新冠疫情的爆发，令供应链企业中的信用风险越来越多，造成的危害也越来越严重。
本文主要是对现有文献进行分析，综述了供应链企业信用风险的关联机制。供应链的核心就是企业协作，但尽管如此，每一个成员企业，有各自的利益追求，所以又各自分离，她们之间由资金借贷关系、价格优惠政策、代加工、应收账款等方式关联在一起。
本文基于伙伴关系与竞争关系，分析了供应链企业信用风险的不同形成机制。伙伴关系下，企业间由于双方的信息不对称，造成道德风险与逆向选择。竞争关系下，双方通过不科学的价格竞争方式，导致质量不达标，形成信用风险。
基于上述结论，本文提出可以通过增强信息共享的方式，例如企业信息化、实施ERP、应用信息技术这样的方式来实现信用风险预警，减小逆向选择的风险。另外可以通过股权控制、提高供应链内企业各自的核心竞争力、监管应收账款、催收逾期账款减小道德风险，通过利用信用衍生品对供应链企业信用风险转移，以实现对供应链企业信用风险的管控。

关键词：供应链企业 信用风险 关联机制 形成机制 信息不对称 风险管控

Research on Credit Risk Formation Mechanism of Supply Chain Enterprises

Abstract

Supply chain management is becoming an advanced management model prevailing in the international business community. In recent years, factors such as emergencies and the increase in credit incidents among supply chain enterprises have made credit risk in the supply chain more and more, and the harm caused by credit risk has become more and more serious.
By analyzing existing literature, a mechanism for providing corporate credentials has been established. Every member company in the supply chain is in the cooperation network, but they are separated. They are linked by means of capital loan and loan relationship, preferential price policy, processing and account receivable.
This article analyzes the various mechanisms for generating credit risk for supply chain companies based on partnerships and competition.Under the competitive relationship, the two parties have adopted unscientific price competition methods, resulting in substandard quality and credit risk.
Based on the above findings, submission of the full text has improved the method of exchanging credentials, such as business credibility, ERP implementation, technical use identifying information and, in reality, credible policing, contradictory reverse opposition. Existence. In addition, moral control can be reduced through equity control, improving the respective core competitiveness of the enterprises in the supply chain, supervising accounts receivable, and collecting overdue accounts, and using credit derivatives to transfer credit risk to supply chain enterprises to achieve the supply chain. Management of corporate credit risk.

Key Words: Supply chain enterprises;Credit risk; Association mechanism;Formation mechanism; Information asymmetry; Risk management and con

目 录

摘要…………………………………………………………………………………I

ABSTRACT………………………………………………………………………II

第一章 引言………………………………………………………………………1

1.1 研究背景及意义…………………………………………………………1

1.1.1 研究背景…………………………………………………………1

1.1.2 研究意义…………………………………………………………1

1.2 研究思路及研究手段……………………………………………………1

1.2.1 研究思路…………………………………………………………1

1.2.2 技术路线图………………………………………………………2

1.2.3 研究手段…………………………………………………………3

1.3 可能的创新点……………………………………………………………4

第二章 文献综述…………………………………………………………………5

2.1供应链的库存风险管理研究……………………………………………6

2.2供应链的中断风险管理研究……………………………………………6

2.3供应链的信息风险管理研究……………………………………………7

2.4供应链的赊销风险管理研究……………………………………………8

第三章 供应链信用风险的关联机制………………………………………9

3.1资金借贷关系……………………………………………………………9

3.2提前支付…………………………………………………………………9

3.3代加工……………………………………………………………………10

3.4应收账款…………………………………………………………………10

3.4.1商业竞争…………………………………………………………10

3.4.2销售和收款的时间差……………………………………………11

3.5本章小结…………………………………………………………………11

第四章 供应链企业信用风险形成机制……………………………………12

4.1基于伙伴关系的信用风险………………………………………………12

4.1.1信息不对称………………………………………………………12

4.1.2道德风险…………………………………………………………13

4.1.3逆向选择…………………………………………………………14

4.1.4案例分析…………………………………………………………15

4.2基于竞争关系的信用风险………………………………………………15

4.2.1价格竞争…………………………………………………………16

4.2.2技术竞争…………………………………………………………16

4.2.1案例分析…………………………………………………………16

4.3本章小结…………………………………………………………………17

第五章 供应链企业信用风险管理研究……………………………………18

5.1供应链企业信用风险预警………………………………………………18

5.1.1 企业信息化是实现供应链信息共享的必要条件………………18

5.1.2 ERP及实施后的效果……………………………………………18

5.1.3 应用信息技术……………………………………………………19

5.2供应链企业信用风险控制………………………………………………19

5.2.1供应链企业的股权控制…………………………………………19

5.2.2提高供应链内企业各自的核心竞争力…………………………19

5.2.3监管应收账款……………………………………………………20

5.2.4信用衍生品………………………………………………………20

5.3本章小结…………………………………………………………………21

结语………………………………………………………………………………22

参考文献…………………………………………………………………………23

致谢………………………………………………………………………………27

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