基于供应链金融的商业反向保理模式研究

摘要

2016年初,八部委联合发文,力挺“供应链金融”,以缓解我国金融资源错配的矛盾.反向保理作为最受欢迎的工具,在国内迅速发展.站在核心企业视角,研究企业如何介入现有反向保理业务,提出广泛应用电子票据、自建上下游数据库等建议,并创新性地分析“互联网+供应链金融”线上反向保理模式.在探究国内核心企业成立商业保理子公司的契机后,总结出由核心企业主导的新的业务模式.%The operation of supply chain finance was sustained by eight governmental ministries at the beginning of 2016 to relieve the mismatch of financial resources.As the best popular tool,reverse factoring is developing rapidly in China.From the perspective of core enterprise,this paper investigates the ways of how enterprise participate in the business of reverse factoring,and propose to widely use electronic bills,create upstream and downstream database,as well as analyze the online reverse factoring mode integrated with the Internet.By surveying the practices of core enterprise found Subsidiary Corporation to engage in factoring business,we summarize the new factoring mode dominated by core enterprise.