本文以供应链的理论视角，针对蓝天汽车公司所搭建的供应链融资平台，
详细阐述了经销商库存融资业务发展现状，主要内容包括目前国内汽车经销商
融资的主要渠道、蓝天汽车公司经销商库存融资的业务模式、业务现状、业务
办理流程等方面。通过汽车生产厂面临的内外部环境变化为切入点，提出目前
蓝天汽车公司经销商库存融资存在的问题并针对问题进行原因分析，主要包括
汽车生产厂对经销商融资培训缺失，导致经销商融资管理能力较差；缺乏有效
的融资风险管控手段，导致经销商融资风险频发；对金融机构开展业务缺乏激
励的措施，融资监管模式单一缺乏差异化等方面。最后，在以上研究的基础上，
有针对性的提出关键风险点的有效防范措施
汽车生产厂作为汽车产业链的核心企业需要在供应链中承担更多的责任，
不断完善自身体系能力，包括重视供应链管理人员配备、专业素质的提高以及
加强对于供应链下游经销商的培训等。除了汽车生产厂自身体系能力完善之外，II
还需要承担保持对于供应链中的金融机构以及经销商的管理，保证供应链规避
融资风险，达到稳定运行。在对经销商管理方面，完善经销商资金风险管理体
系，提高经销商对于融资风险的重视程度。面对不断变化的金融市场，汽车生
产厂需要紧密与金融机构合作，保证金融机构融资款项的安全性，激励金融机
构不断提升对于本品牌网络的融资支持。汽车厂家只有努力协调好经销商、金
融机构各方的关系，才能够打造具有稳定性、经营效益及良好口碑的经销商库
存融资平台
关键词：
供应链融资，经销商库存融资，融资渠道，融资风险III
Abstract
Research on the Wholesale Financing of Lan Tian Auto Company
In 2015 China&39;s auto car sales exceeded 25 million, 4.7% increased compare
with 2014. China&39;s auto market has become the world&39;s most attractive market. The
huge domestic automobile market, making the domestic automobile manufacturers
continues to increase investment, improving production capacity, increasing the
terminal car sales. But most of the domestic car sales dealers belong to the small and
medium enterprises, the financing capacity is weak. In order to alleviate the financial
pressure on dealers to help dealers obtain adequate financing, domestic mainstream
automotive manufacturers fully play its important role in the manufacturing industry,
established by the automobile manufacturing plant as the core enterprise of the
automobile industry supply chain financing. Dealer financing is an important part of
the supply chain, which belongs to the downstream of the automotive supply chain.
With the continuous change of the national macroeconomic environment, the
internal and external environment of the automobile production plant has changed
greatly, and the uncertain interference factors increase. The supply chain financing,
which is dominated by automobile manufacturers, is also facing severe challenges.
Based on the perspective of supply chain, according to the Lan Tian automobile
company&39;s supply chain financing platform, instruct the status of wholesale financing
business. By analyzed the internal and external environment of the automobile factory,
proposed the problems and solution of the present Lan Tian Automobile Company
wholesale financing. Finally, on the basis of the above research, puts forward
effective measures to the key risk points. As the core enterprise of the automobile
factories need to take more responsibility in the supply chain, and constantly improve
their own ability. At the same time, to guarantee the supply chain avoid the financingIV
risk and operate stably, automobile factory need to keep the management of financial
institutions and dealers.
Automobile factory as the core enterprise of the automobile industry chain needs
to take more responsibility in the supply chain system, and constantly improve their
own ability, including distributing outstanding persons to wholesale financing
department, improving the professional quality and strengthen the training of the
downstream distributors supply chain. In addition to improve the capacity of the
automobile factory, it is necessary to maintain the management of the financial
institutions and dealers in the supply chain. In the aspect of dealer management,
improve the dealer risk management system, improve the degree of importance of the
dealer for financing risk. Facing the quickly changing financial market, automobile
factories need to work closely with financial institutions to ensure the safety of
financing. At the same time, automobile factories should take incentive measures to
encourage financial institutions and improve financing support of their own brand.
Only by managing the relationship between dealers and financial institutions, can be
able to build a stable, operating efficiency and good reputation of the wholesale
financing platform.
Key words:
Supply chain financing, Wholesale financing, Wholesale financing methods,
Financing riskV
目录
第 1 章 绪论....... 1
1.1 研究背景与意义 .... 1
1.2 研究方法与内容 .... 3
1.3 理论基础和文献综述 ........ 4
第 2 章 蓝天汽车公司经销商库存融资业务发展现状及现存问题 .... 8
2.1 公司基本情况简介8
2.2 公司经销商库存融资业务发展现状...... 10
2.3 公司经销商库存融资面临内外部环境的变化.. 16
2.4 公司经销商库存融资业务存在问题...... 19
第 3 章 蓝天汽车公司经销商库存融资业务问题成因分析22
3.1 对经销商融资业务专项培训的缺失...... 22
3.2 对经销商融资风险管控能力差 .. 24
3.3 对金融机构开展业务缺乏激励措施...... 27
3.4 融资监管模式单一 .......... 28
第 4 章 蓝天汽车公司经销商库存融资业务优化对策......... 29
4.1 建全全网经销商库存融资培训机制...... 29
4.2 建立经销商融资风险管理体系 .. 30
4.3 优化金融机构准入退出机制 ...... 32
4.4 引入信息技术创新融资监管模式 .......... 33VI
结 论 ..... 36
参考文献 . 38
致 谢 ..... 401
第 1 章 绪论
1.1 研究背景与意义
1.1.1 研究背景
汽车产业作为制造业重要组成部分备受瞩目，逐步成为拉动国内生产总值
增长的重要动力。从最近十年汽车市场的数据显示，中国汽车千人保有量从2005
年的 24 辆增至 2015 年的 125 台，由此看出我国汽车市场的快速发展，汽车逐
渐走进寻常百姓家中成为必不可少的交通工具。从 2010 年起，面对庞大的汽车
市场，汽车企业对未来前景一片看好，持续不断的增加产能以及扩充销售渠道，
以保证能够在未来的汽车市场竞争中占据一席之地。从 2010 年至 2015 年的 5
年时间里，汽车行业扭转了曾经“产能不足”的劣势，迈进了“产能过剩”时代
根据中国汽车工业协会公布了汽车行业产能调查报告，2015 年末我国汽车整车
产能 3122 万辆。中国汽车行业产能结构性过剩显现，与不断增长的产能数字形
成对比的是需求的减少
2016 年整个汽车市场面临着宏观经济的下行压力，但在国家推出的小排量
汽车购置税减半政策以及新能源推广政策的刺激下，车市明显回暖并且年销量
超出年初预期。2016 年汽车市场的增速为 11.17%，实现全年销量 2734.5 万辆
国家推出的利好政策刺激了消费者的提前透支购车行为，但不可否认的是，汽
车行业产能过剩与消费者需求减少的矛盾日益明显。汽车销售已经无法重现当
年的辉煌，汽车经销商作为汽车厂家销售的主要渠道，也面临着利润空间下行
的巨大压力
如下图在汽车产业链中，汽车经销商作为销售渠道，处于产业链的下游，
属于资金密集型的汽车流通行业。汽车经销商从建设新店开始就需要大量的资
金投入，据统计入网一家豪华品牌的
。。。以上简介无排版格式，详细内容请下载查看
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