最新钱报四基于线上供应链金融的银行和B2B电商激励约束机制探讨

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　　Note: It is recommended to read this article when you read this article so that you can better learn this document.
　　01  摘要
　　摘要：本文基于银行和B2B电商联合授信模型，通过计算和分析参与约束、激励约束及帕累托最优条件下银行的最优收益分配比例变化，揭示业界实践中银行和B2B电商双方从联合授信走向委托授信的内在原因，并运用算例分析验证了相关结论。最后通过委托授信模型中银行和B2B电商收益矩阵一次性博弈分析，从进入门槛、信息反馈和声誉机制三方面为银行提供建议，以降低B2B电商向银行推荐低信用企业的道德风险 。
　　分析
　　这篇文章是刊登于2017年的财会月刊的一期文献。小编认为此篇文献与前三期推文有关联之处，在此鉴赏。摘要四要素（目的、方法、结果、结论）是摘要部分必不可少的内容，此篇文献中包含四要素但是写法上略微有些不同。小编认为此摘要的第一句话柔和了其中三要素，其研究目的为研究银行和B2B电商联合授信模型下银行最优收益分配比例变化。方法环节该篇文献第一句话没有直述，不过参与约束、激励约束就是＂委托代理理论的约束条件 。因此，第一句话也暗含了研究方法。其结果为揭示银行和电商合作关系变化的缘由。最后一句从结论上提出建议表明自己的研究意义。对比前面三期的推文，小编斗胆觉得此篇推文还存在可润色之处。摘要部分开头之处可以简略添加一句背景句，让人对是在怎样背景下做研究能够有个认知。学者对于研究结果以及结论部分也可多添置一内容让自己的研究成果在摘要部分有更清晰的呈现。猜想学者可能考虑到摘要部分字数占论文篇幅比例的原因，因此，没有细写结论和结果。总的来说，学者的摘要依旧值得鄙人借鉴。包含摘要四要素也要灵活变通，摘要攥写既要清晰又要不冗杂。
　　analyze
　　This article is an issue published in the 2017 Finance and Accounting Monthly. The editor believes that this article is related to the previous three tweets, and I appreciate it here. The four elements of the abstract (purpose, methods, results, conclusions) are indispensable in the abstract. This document contains four elements but the writing is slightly different. The editor believes that the first sentence of this summary softens the three elements, and its research purpose is to study the change of the bank＂s optimal income distribution ratio under the bank and B2B e-commerce joint credit model. The method link The first sentence of this document is not straightforward, but participation constraints and incentive constraints are ＂the constraints of principal-agent theory. Therefore, the first sentence also implies research methods. The result is to reveal the cooperative relationship between banks and e-commerce companies. The reason for the change. The last sentence suggests that your research is meaningful from the conclusion. Compared with the tweets in the previous three issues, the editor dares to feel that this tweet still has something to polish. You can add a sentence at the beginning of the abstract. The background sentence allows people to have a sense of the background under which the research is done. Scholars can also add an additional content to the research results and conclusions so that their research results can be more clearly presented in the abstract. I guess scholars may consider it. As for the reason why the number of words in the abstract accounts for the proportion of the length of the paper, therefore, there is no detailed conclusion and results. In general, scholars’ abstracts are still worth learning from. The four elements of the abstract should be flexible and the abstract should be clear and necessary. Not cumbersome.
　　02  关键词
　　【关键词】授信模型；激励约束；线上供应链金融；B2B电商
　　分析
　　关键词一共有4个。其中线上供应链金融、B2B电商与研究问题有关。而授信模型、激励约束，学者的题目将其归类，小编将激励约束归为研究结论，授信模型归为研究方法。学者题目想要表达自己的研究是研究的激励约束（研究结论自然是和激励约束有关），题目中的银行与B2B电商则与授信模型有关，授信模型便是本文进行激励约束分析的核心，因此将其归为研究方法。小编斗胆觉得学者的关键词部分虽然暗含了关键词三要素，关键词个数也控制在2—6个之内但没有特别惊艳。作为读者的小编需要结合题目才能明白学者关键词的分类，关键词虽然可以从摘要和题目中进行提取，但是为了更多的读者能够检索此文，我会将关键词增加关键词委托代理理论。
　　analyze
　　There are 4 keywords in total. Among them, online supply chain finance and B2B e-commerce are related to research issues. The credit model and incentive constraints are categorized by scholars＂ topics. The editor classifies incentives and constraints as research conclusions, and credit models as research methods. Scholars want to express that their research is the incentive constraint of the research (the research conclusion is naturally related to the incentive constraint), and the bank and B2B e-commerce in the title are related to the credit model. The credit model is the core of the incentive and constraint analysis of this article. Therefore, it is classified as a research method. The editor dares to think that although the keywords of scholars imply the three elements of keywords, the number of keywords is also controlled within 2-6, but it is not particularly amazing. As a reader, the editor needs to combine topics to understand the classification of scholar’s keywords. Although keywords can be extracted from abstracts and topics, in order for more readers to retrieve this article, I will add keywords to the keyword proxy theory .
　　03  引言
　　分析
　　本篇文献的的引言部分与本系列推文的第一篇有相似之处。我们平日对于期刊论文引言部分的内容就要包括研究背景、文献综述、总结以往学者的研究并介绍自己在以往学者研究上做出了什么创新和不同，表明自己的研究意义,主要将引言部分分成三段式（研究背景+国内外研究评述+研究内容阐述）。而此篇文章和第一篇此类推文将以外引言部分按照一级标题进行内容上拆分，其本质内容上和以前的没有区别，写法上个人觉得更像毕业论文写法。细看学者的引言部分，学者引言部分的选用真实的研究背景资料做铺垫，这对我们是写作上是有借鉴意义的，通过现实的研究背景证明此研究的意义以及必要性，如果有政策意见支撑下也可在第一段首句添加国家政策意见，这样显得研究更有必要性。对于从研究背景到文献综述部分采取从大到小、从广泛到具体的研究思路。学者在写文献综述部分既要有述又要有评，最好包括国内国外的文献评述，学者这篇文献我只看到了学者对国内学者的评述，缺乏对国外学者的文献研究，因此小编在此认为文献综述此内容还可以补充。最后一段是学者做出的总结，表明线上供应链金融的研究主要还集中在事后模式阶段，但是在事先控制方面研究较少，因此学者开始介绍自己的研究思路以及不同点，运用什么研究方法以及有什么研究意义。
　　analyze
　　There are 4 keywords in total. Among them, online supply chain finance and B2B e-commerce are related to research issues. The credit model and incentive constraints are categorized by scholars＂ topics. The editor classifies incentives and constraints as research conclusions, and credit models as research methods. Scholars want to express that their research is the incentive constraint of the research (the research conclusion is naturally related to the incentive constraint), and the bank and B2B e-commerce in the title are related to the credit model. The credit model is the core of the incentive and constraint analysis of this article. Therefore, it is classified as a research method. The editor dares to think that although the keywords of scholars imply the three elements of keywords, the number of keywords is also controlled within 2-6, but it is not particularly amazing. As a reader, the editor needs to combine topics to understand the classification of scholar’s keywords. Although keywords can be extracted from abstracts and topics, in order for more readers to retrieve this article, I will add keywords to the keyword proxy theory .
　　04  模型与符号说明
　　分析
　　学者在进行模型的构建之前，首先介绍了联合授信和委托授信的概念，在介绍模型前先介绍一些容易混淆或者新颖的概念是值得我们学习借鉴的。这样能够让读者阅读更清晰也为自己后文研究做铺垫，显得不突兀。这篇文献的流程图在本系列推文第一篇的流程图上进一步进行了研究。学者在进行参数设置时采用一边假设一遍解释的的方式说参数设置的缘由。在考虑B2B审查时努力水平、工作效率、质押率、收益分配比例以及利率的情况下建立联合授信模式下的银行与电商之间的委托dialing模型研究其激励约束设计问题。再在帕累托最优情形下做出分析证明银行和电商之间的合作关系会从联合变成委托。最后委托方式下存在道德风险问题，学者在电商平台（隐藏信息，不隐藏信息）和银行（审查，不审查）两方面做出博弈分析，最后根据博弈情况提出建议。总的来说，学者模型部分的思路很清晰。这部分内容开头概念的写法值得我们借鉴。
　　analyze
　　Before constructing the model, scholars first introduced the concepts of joint credit and entrusted credit, and introduced some confusing or novel concepts before introducing the model. It is worthy of our study. This will allow readers to read more clearly and pave the way for their subsequent research, which is not obtrusive. The flow chart of this document is further studied on the flow chart of the first article of this series of tweets. Scholars use a hypothetical way to explain the reasons for the parameter setting when setting the parameters. Considering the effort level, work efficiency, pledge rate, income distribution ratio and interest rate of B2B review, a commission dialing model between the bank and e-commerce under the joint credit model is established to study the design of incentive constraints. Then make an analysis under the Pareto optimal situation to prove that the cooperative relationship between the bank and the e-commerce will change from a joint to a commission. Finally, there is a moral hazard problem under the entrustment method. Scholars make game analysis on the e-commerce platform (hiding information, not hiding information) and banks (reviewing, not reviewing), and finally make suggestions based on the game situation. In general, the thinking of the scholar model part is very clear. The wording of the concept at the beginning of this part of the content is worthy of our reference.
　　05  算例分析
　　分析
　　该篇文献的算例分析结合实际的贷款利率，质押物实际质押率等进行数值算例分析。其数值算例部分对联合授信情况下做出了分析，对于委托情况下两方博弈并未进行算例分析，小编在此认为如果想要侧重研究委托情况下的演化博弈情况，在委托后后隐藏信息的道德风险部分还可以深入研究以及做出数值算例分析。
　　analyze
　　The calculation example analysis of this article combines the actual loan interest rate, the actual pledge rate of the pledge, etc. to carry out the numerical calculation example analysis. The numerical example part is analyzed in the case of the team’s joint credit. The two-party game under the entrusted situation has not been analyzed by the example. The editor here believes that if you want to focus on the evolutionary game situation under the entrusted situation, The moral hazard part of hidden information can also be studied in depth and analyzed by numerical examples.
　　06  结语
　　分析
　　该篇文献的结语部分中规中矩，一段内容包含两部分内容。第一部分内容：带领读者重新回顾本篇文章讲了什么内容，用了什么方法做了什么研究，得出什么结论，以及提出针对性建议。与摘要、引言结尾部分相呼应。第二部分内容：表明自己在研究中存在的不足以及进一步研究方向。这种结语的套路可以形成模板式，值得我们进行借鉴和仿写。
　　analyze
　　The concluding part of the document is quite satisfactory, and one paragraph contains two parts. The first part of the content: Lead the reader to review what this article has said, what methods have been used, what research has been done, what conclusions have been drawn, and specific recommendations. Echoes with the abstract and the end of the introduction. The second part of the content: to show the deficiencies in the research and further research directions. This kind of epilogue can form a template, which is worth learning and imitating.
　　- end -
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　　参考资料：Google翻译
　　参考文献：基于线上供应链金融的银行和B2B电商激励约束机制探讨-李小金
　　本文由LearningYard学苑整理并发出，如有侵权请在后台留言！
　　文案 | Qian
　　排版 | Qian
　　审核 | Tian