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題名 區塊鏈與供應鏈金融
Blockchain and Supply Chain Finance
作者 黃立中
貢獻者 謝明華
黃立中
關鍵詞 區塊鏈
供應鏈金融
金融科技
融資
Blockchain
Supply chain finance
FinTech
Finance
日期 2017
上傳時間 31-Aug-2017 12:08:55 (UTC+8)
摘要 企業有了充足的資金才能提高自身競爭力與成長力。一般資金來源主要來自股東的投資或是舉債,部分企業也能透過應收帳款融資等供應鏈融資方式調節資金,然而在一個大型的供應鏈生態圈裡,第二層、第三層到更高層的供應商常因擁有的固定資產、等值抵押擔保品較少,且銀行較難確認其與中心企業間之金流關係。導致這樣供應商難以透過銀行取得足夠的流動資金,此即為供應鏈的痛點。這是透過傳統金融服務較難以解決的問題,卻是金融科技貢獻之所在。金融科技的發展可實現普惠金融,讓原先無法透過傳統金融體系得到金融服務的對象也能得到應有的金融服務。將金融科技應用於供應鏈金融,目的就是希望能使整個供應鏈體系能獲得充足資金,以利產業的發展。
本論文研究探討區塊鏈技術的特性,包含其安全性、不可竄改及透明性等帶來的好處,並以個案公司討論供應鏈金融存在的痛點和營運資金需求,企圖將區塊鏈技術應用於供應鏈金融,提出供應鏈金融融資解決方案,期能降低供應商與零售商經營成本並提升供應鏈整個生態系統的效率。
Enterprises can improve their competitiveness and growth only if they have sufficient funds for operations and development. A few enterprises receive suitable financing through accounts receivable financing or other kinds of supply chain financing method. However, in a large supply chain ecosystem, the second tier, the third tier to higher tier suppliers might only have low credit score and difficulty to prove their relationship with central enterprise. Therefore, they cannot provide enough information for banks’ credit evaluation and approval. Sufficient credit information includes, for example, a sufficient amount of fixed assets, equivalent collateral, and the record of cash flow between upstream manufacture and downstream manufacture. Small suppliers cannot get sufficient funds is the main pain point in supply chain finance. Fintech can be the solution. The main objective of application of Fintech in supply chain finance is providing sufficient working capital for small and medium suppliers.
This thesis discusses the application of blockchain in supply chain finance and the feature and merit of Block Chain, including safety, inerasable, and transparence. Such platform can make small and medium enterprises have a much closer connection with the central enterprises, so that they will improve their credit and get suitable working capital simultaneously. We also discuss a case company and propose the solution which may lower the cost of the suppliers and retailers and improve efficiency for the supply chain ecosystem.
參考文獻 Antonopoulos, A. M. (2014). Mastering Bitcoin: unlocking digital cryptocurrencies: " O`Reilly Media, Inc.".
Bagchi, P. K., Chun Ha, B., Skjoett-Larsen, T., & Boege Soerensen, L. (2005). Supply chain integration: a European survey. The international journal of logistics management, 16(2), 275-294.
Christopher, M. (2016). Logistics & supply chain management: Pearson UK.
Economist, T. (2015). The promise of the blockchain: The trust machine`. The Economist, 31.
Guo, Y., & Liang, C. (2016). Blockchain application and outlook in the banking industry. Financial Innovation, 2(1), 24.
Kalakota, R., & Robinson, M. (1999). e-Business: Addison Wesley Roadmap for Success.
Kuglin, F. A. (1998). Customer-centered supply chain management: a link-by-link guide: Amacom New York, NY.
Lee, H. L., So, K. C., & Tang, C. S. (2000). The value of information sharing in a two-level supply chain. Management science, 46(5), 626-643.
Nakamoto, S. (2008). Bitcoin: A peer-to-peer electronic cash system.
Oliver, R. K., & Webber, M. D. (1982). Supply-chain management: logistics catches up with strategy. Outlook, 5(1), 42-47.
Rahman, Z. (2003). Internet-based supply chain management: using the Internet to revolutionize your business. International Journal of Information Management, 23(6), 493-505.
Ross, A., Venkataramanan, M., & Ernstberger, K. W. (1998). Reconfiguring the supply network using current performance data. Decision Sciences, 29(3), 707-728.
Russell, R. S., & Taylor, B. W. (2005). Operations management: Quality and competitiveness in a global environment: Wiley.
Stevens, G. C. (1989). Integrating the supply chain. International Journal of Physical Distribution & Materials Management, 19(8), 3-8.
Ventura, A., Koenitzer, M., Stein, P., Tufano, P., & Drummer, D. (2015). The Future of FinTech: A Paradigm Shift in Small Business Finance. Paper presented at the World Economic Forum, Global Agenda Council on the Future of Financing and Capital. http://www3. weforum. org/docs/IP/2015/FS/GAC15_The_Future_of_FinTech_Paradigm_Shift _Small_Business_Finance_report_2015. pdf.
描述 碩士
國立政治大學
經營管理碩士學程(EMBA)
104932046
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0104932046
資料類型 thesis
dc.contributor.advisor 謝明華zh_TW
dc.contributor.author (Authors) 黃立中zh_TW
dc.creator (作者) 黃立中zh_TW
dc.date (日期) 2017en_US
dc.date.accessioned 31-Aug-2017 12:08:55 (UTC+8)-
dc.date.available 31-Aug-2017 12:08:55 (UTC+8)-
dc.date.issued (上傳時間) 31-Aug-2017 12:08:55 (UTC+8)-
dc.identifier (Other Identifiers) G0104932046en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/112368-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 經營管理碩士學程(EMBA)zh_TW
dc.description (描述) 104932046zh_TW
dc.description.abstract (摘要) 企業有了充足的資金才能提高自身競爭力與成長力。一般資金來源主要來自股東的投資或是舉債,部分企業也能透過應收帳款融資等供應鏈融資方式調節資金,然而在一個大型的供應鏈生態圈裡,第二層、第三層到更高層的供應商常因擁有的固定資產、等值抵押擔保品較少,且銀行較難確認其與中心企業間之金流關係。導致這樣供應商難以透過銀行取得足夠的流動資金,此即為供應鏈的痛點。這是透過傳統金融服務較難以解決的問題,卻是金融科技貢獻之所在。金融科技的發展可實現普惠金融,讓原先無法透過傳統金融體系得到金融服務的對象也能得到應有的金融服務。將金融科技應用於供應鏈金融,目的就是希望能使整個供應鏈體系能獲得充足資金,以利產業的發展。
本論文研究探討區塊鏈技術的特性,包含其安全性、不可竄改及透明性等帶來的好處,並以個案公司討論供應鏈金融存在的痛點和營運資金需求,企圖將區塊鏈技術應用於供應鏈金融,提出供應鏈金融融資解決方案,期能降低供應商與零售商經營成本並提升供應鏈整個生態系統的效率。
zh_TW
dc.description.abstract (摘要) Enterprises can improve their competitiveness and growth only if they have sufficient funds for operations and development. A few enterprises receive suitable financing through accounts receivable financing or other kinds of supply chain financing method. However, in a large supply chain ecosystem, the second tier, the third tier to higher tier suppliers might only have low credit score and difficulty to prove their relationship with central enterprise. Therefore, they cannot provide enough information for banks’ credit evaluation and approval. Sufficient credit information includes, for example, a sufficient amount of fixed assets, equivalent collateral, and the record of cash flow between upstream manufacture and downstream manufacture. Small suppliers cannot get sufficient funds is the main pain point in supply chain finance. Fintech can be the solution. The main objective of application of Fintech in supply chain finance is providing sufficient working capital for small and medium suppliers.
This thesis discusses the application of blockchain in supply chain finance and the feature and merit of Block Chain, including safety, inerasable, and transparence. Such platform can make small and medium enterprises have a much closer connection with the central enterprises, so that they will improve their credit and get suitable working capital simultaneously. We also discuss a case company and propose the solution which may lower the cost of the suppliers and retailers and improve efficiency for the supply chain ecosystem.
en_US
dc.description.tableofcontents 第一章 研究緒論 1
第二章 文獻探討 5
第一節 區塊鏈 5
第二節 供應鏈金融 19
第三章 研究方法 24
第一節 新興供應鏈金融模式:高度整合的平台式系統 24
第二節 區塊鏈與供應鏈金融結合 29
第四章 個案研討 34
第一節 公司簡介 34
第二節 通訊產業概況:以台灣市場為例 34
第三節 產品價格分析 35
第四節 成本獲利分析 36
第五節 銷售通路分析 38
第六節 銷售通路價值分析 40
第五章 結論 43
第六章 參考文獻 45
zh_TW
dc.format.extent 1083407 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0104932046en_US
dc.subject (關鍵詞) 區塊鏈zh_TW
dc.subject (關鍵詞) 供應鏈金融zh_TW
dc.subject (關鍵詞) 金融科技zh_TW
dc.subject (關鍵詞) 融資zh_TW
dc.subject (關鍵詞) Blockchainen_US
dc.subject (關鍵詞) Supply chain financeen_US
dc.subject (關鍵詞) FinTechen_US
dc.subject (關鍵詞) Financeen_US
dc.title (題名) 區塊鏈與供應鏈金融zh_TW
dc.title (題名) Blockchain and Supply Chain Financeen_US
dc.type (資料類型) thesisen_US
dc.relation.reference (參考文獻) Antonopoulos, A. M. (2014). Mastering Bitcoin: unlocking digital cryptocurrencies: " O`Reilly Media, Inc.".
Bagchi, P. K., Chun Ha, B., Skjoett-Larsen, T., & Boege Soerensen, L. (2005). Supply chain integration: a European survey. The international journal of logistics management, 16(2), 275-294.
Christopher, M. (2016). Logistics & supply chain management: Pearson UK.
Economist, T. (2015). The promise of the blockchain: The trust machine`. The Economist, 31.
Guo, Y., & Liang, C. (2016). Blockchain application and outlook in the banking industry. Financial Innovation, 2(1), 24.
Kalakota, R., & Robinson, M. (1999). e-Business: Addison Wesley Roadmap for Success.
Kuglin, F. A. (1998). Customer-centered supply chain management: a link-by-link guide: Amacom New York, NY.
Lee, H. L., So, K. C., & Tang, C. S. (2000). The value of information sharing in a two-level supply chain. Management science, 46(5), 626-643.
Nakamoto, S. (2008). Bitcoin: A peer-to-peer electronic cash system.
Oliver, R. K., & Webber, M. D. (1982). Supply-chain management: logistics catches up with strategy. Outlook, 5(1), 42-47.
Rahman, Z. (2003). Internet-based supply chain management: using the Internet to revolutionize your business. International Journal of Information Management, 23(6), 493-505.
Ross, A., Venkataramanan, M., & Ernstberger, K. W. (1998). Reconfiguring the supply network using current performance data. Decision Sciences, 29(3), 707-728.
Russell, R. S., & Taylor, B. W. (2005). Operations management: Quality and competitiveness in a global environment: Wiley.
Stevens, G. C. (1989). Integrating the supply chain. International Journal of Physical Distribution & Materials Management, 19(8), 3-8.
Ventura, A., Koenitzer, M., Stein, P., Tufano, P., & Drummer, D. (2015). The Future of FinTech: A Paradigm Shift in Small Business Finance. Paper presented at the World Economic Forum, Global Agenda Council on the Future of Financing and Capital. http://www3. weforum. org/docs/IP/2015/FS/GAC15_The_Future_of_FinTech_Paradigm_Shift _Small_Business_Finance_report_2015. pdf.
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