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论文编号：	9482
作者编号：	2120152864
上传时间：	2017/12/6 14:30:30
中文题目：	PL金融公司票据经纪业务模式优化研究
英文题目：	Research on The Optimization of Bill Brokerage Business Model of PL Financial Company
指导老师：	张国萍
中文关键字：	票据经纪；金融服务；中小企业
英文关键字：	Bill broker;Financial services;Small and medium enterprises
中文摘要：	21世纪中国经济步入快速发展阶段，所取得的成果有目共睹。经济市场中参与主体的范围不断扩大，参与形式也不尽相同。一方面金融服务企业作为连接金融行业与实体企业之间的纽带，在整个市场经济活动中参与程度不断提高。另一方面我国中小型企业数量已具有一定规模，其经济产值已成为推动我国国民经济持续健康发展的中坚力量。然而中小企业在自身生产经营活动中面临的融资难问题也比较明显，融资渠道单一、融资成本高、银行的依赖程度大等直接影响其融资成本。商业票据融资作为解决企业融资的有效手段，具有操作方便、资金风险低、回款及时等优点。中国票据市场相比于欧美等发达国家起步较晚，1995年《中华人民共和国票据法》的颁布才正式标志着我国票据市场的初级阶段的建立。中国货币经纪中的票据经纪也是此时才真正开始发展。随着中国经济市场多元化发展，票据市场的重视程度逐步加深。法律法规不断完善、市场环境逐步好转的情况下，一批致力于金融信息经纪服务的企业结合自身实际情况大力开展票据经纪业务，丰富我国货币经纪市场，填补我国本土货币经纪公司空白。作为国内首家获得“票据中介”营业资质的创新型金融服务公司，上海PL金融服务有限公司（以下简称PL金融公司）于2012年正式成立。PL金融公司深耕票据经纪多年，形成了相对成熟的票据经纪业务模式，通过深入分析现有形式，明确了PL金融公司在经纪业务模式及其他经营业态的战略转型。论文以PL金融公司为典型案例，在分析了国内票据市场的发展历程以及中国货币经纪的现状后，以PL金融公司票据经纪模式为主线，介绍了其在票据经纪业务模式的发展优势。本文基于PL金融公司的经纪业务模式，采用标准的SWOT方法深入分析其在票据经纪业务模式中的竞争优势、竞争劣势、面临的机会和遇到的威胁，提出了PL金融公司在未来的发展中应采取的战略举措和战略方向。同时，提出我国票据经纪的发展应结合我国国情的实际情况，在政策上完善监管制度，加强相关法律法规建设，适当放宽市场交易参与主体范围，形成一个多层次、广泛参与的市场主体等建议，以促进我国票据经纪市场健康持续发展，为我国货币经纪市场做出贡献。关键词：票据经纪；金融服务；中小企业
英文摘要：	With the rapid and orderly development of China's economy, the scope of participation in the economic market continues to expand, the forms of participation are not the same. On the one hand, financial services enterprises, as the link between the financial industry and the entity enterprises, have been continuously improved in the whole market economy activities. On the other hand, the rapid development of small and medium-sized enterprises in China has a certain scale, and its economic output value has become the backbone force to promote the sustained and healthy development of China's national economy. However, small and medium-sized enterprises face in their own production and business operation activities of the financing difficult problem is also obvious, single financing channel, high financing costs, the bank's reliance on large directly affect its financing. The cost of commercial thesis financing. Commercial thesis financing, as an effective means to solve the financing of enterprises, has the advantages of convenient operation, low capital risk and timely return. China's thesis market started later than that of developed countries such as Europe and the Us, and the law of the People's Republic of China on the law of the People's Republic of China in 1995 formally marked the establishment of the primary stage of China's thesis market. It was also at this time that the thesis brokers in China's currency broking really started to develop.With the diversified development of China's economic market, the importance of the thesis market has gradually deepened. Perfecting laws and regulations, market environment gradually improved, a number of brokerage services dedicated to the financial information enterprises brokerage business, combined with their own actual conditions to develop paper currency brokerage market in China, fill the blank of the domestic currency brokerage company in China. Shanghai PL financial services co., LTD. (hereinafter referred to as PL financial company) was established in 2012 as the first innovative financial services company in China to obtain the business qualification of "negotiable instrument intermediary".PL financial company subsoil bill broker for many years, has formed a relatively mature thesis brokerage business model, and to the traditional banking financial institutions in recent years the training forms and is on the rise of the Internet financial comprehensive service platform for reinforcement, through in-depth analysis of the existing form, has been clear about the PL financial company in the brokerage business mode, and other forms of strategic transformation.Thesis to PL financial company as a typical case, the analysis of the domestic development of thesis market and the status quo of China's currency brokerage, brokerage model as PL financial company thesis and customer two-way choice standard system as the main line, introduces its development advantages of brokerage business model in the paper.Based on the PL financial company's brokerage business model, using the standard method of SWOT analysis in the thesis brokerage business model of competitive advantage, competitive disadvantage, facing the opportunities and threats, put forward the PL financial companies in the development of the future should take strategic measures and strategic direction.At the same time, put forward the development of China's bill broker should be combined with the actual situation in our country, improve the regulatory policy System, strengthen the construction of relevant laws and regulations, the scope of participation of market transactions appropriate to relax, to form a multi-level, broad participation in the market, in order to promote the healthy and sustainable development of bills brokerage market in China, to contribute to China's currency brokerage market. Key Words: Bill broker; Financial services; Small and medium enterprises
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