【作者】 张燕；

【导师】 宋平；

【作者基本信息】 武汉理工大学 ， 金融学， 2010， 硕士

【摘要】 无纸贸易在降低贸易成本、提高贸易效率、增强国家竞争力及国家金融监管力等方面发挥着重要作用,已成为当今世界对外贸易发展的主流趋势。无纸贸易要求贸易过程中所涉及的进出口双方的商务信息、物流信息、支付信息、资金信息等有效整合,即实现商务链、物流链、资金链和政务链(简称“四条链”)高效协同。现有研究表明：“四条链”整合的关键在于贸易过程中的金融链,在于选择一个有效的在线支付模式。现有的支付系统存在资金流与订单信息流无法同步传输、无法跨行支付、无法跨国支付以及无法协同监管等问题,无法满足无纸贸易的需求。针对上述问题,本文在国内外研究基础上,试图构建一个以商务链为主体、金融链为核心、物流链为带动、政务链为保障的在线支付协同模式,在实现在线支付商务职能的基础上,提升我国无纸贸易在反洗钱及反信用欺诈等监管水平。首先,对无纸贸易价值链体系模型、无纸贸易在线支付协同监管支付产业链模型进行探讨,并提出适应无纸贸易发展的在线支付模式的8维空间理论模型。其次,本文根据无纸贸易在线支付金融监管功能的需求分析,设计了无纸贸易在线支付金融协同监管的总体目标、原则、流程及标准化等。其次,本文运用Agent技术、数据挖掘技术及数据仓库等技术实现反洗钱、反信用欺诈等金融监管功能。最后,提出无纸贸易在线支付金融协同监管方法及功能实现的激励措施。本文创新点为构建无纸贸易在线支付反洗钱监管体系框架和反信用欺诈监管体系框架,设计相应的反洗钱监管、反信用诈监管功能；针对反洗钱监管、反信用欺诈监管功能,提出相应的金融监管方法和激励措施。更多还原

【Abstract】 Paperless trading has played an important role on reducing trade cost, improving trade efficiency, and enhancing national competitiveness and financial supervision level, and has become the mainstream of world foreign trade. Paperless trading requires effective integration of import and export business information, logistics information, payment information, financial information involved in trade, that is to achieve high collaboration of business chain, logistics chain, capital chain, and government chain (referred to as "four-chain"). Existing researches show that the key integration of "four-chain" is the financial chain of trade and to choose an effective online payment mode. Existing payment system has problems such that information orders can not be synchronous with capital flow, cross-pay and cross-border payment can not be used, and collaborative supervision can not realize.On above issues, by studying researches at home and abroad, it tries to build online payment mode of finance chain as central, the business chain as main body, logistics chain as forced motion and government chain as safeguard, realizing business functions and enhancing paperless trading anti-money laundering and anti-credit fraud level.Firstly, discussing paperless trading value chain system model and paperless trading online payment industrial chain collaborative model of supervision, and proposing 8-dimension space model of online payment mode adapting to the development of paperless trading. Then, according to need analysis of financial collaborative supervision function, designing the overall objectives, principles, process and standardization of financial collaborative supervision. Afterwards, Agent technology, data mining and data warehouse technology are used to implement anti-money laundering, anti-credit fraud and other financial supervision functions.Finally, it proposes paperless trading online payment collaborative supervision methods and financial incentives used to achieve above functions.The innovation of this paper is to build paperless trading online payment anti-money laundering supervision and credit fraud monitoring framework, design anti-money laundering supervision function and anti-credit fraud supervision function; propose corresponding financial supervision approaches and incentive measures for them.更多还原