商业银行供应链融资中的风险控制研究

发布时间：2018-06-14 23:39

本文选题：商业银行 + 供应链融资　；参考：《浙江大学》2013年硕士论文

【摘要】：近几年来,受金融危机的影响,国内中小企业融资难的问题日益突出。同时,由于银行业竞争程度加剧,国内商业银行纷纷把目光转向企业数量多、信贷潜力较大的中小企业市场。但由于中小企业财务制度不完善、缺乏担保品等原因,商业银行开展中小企业业务面临较大的信贷风险,这也成为商业银行针对中小企业惜贷的主要原因。供应链融资通过把中小企业资信与核心企业资信进行捆绑一定程度上提升了中小企业信用水平,同时以真实贸易为基础的信贷业务使得企业在还款来源上有较好的保证基础。鉴于此,供应链融资近几年在国内呈现快速的发展态势,各家商业银行几乎都在探索开展供应链融资业务。本文从供应链融资的基本知识出发,全面地介绍了供应链融资业务,并把最终落脚点放在了供应链融资风险管理上。其中,第一章重点阐述了研究的背景和意义；第二章具体介绍了供应链融资业务的定义、组织模式、业务模式及主要产品,对于新开展供应链融资业务的银行起到较好的参考和借鉴作用；第三章讲述了供应链融资的产生背景、国外供应链融资业务的发展现状和国内供应链融资业务的发展现状,有利于商业银行对自身有个较好的定位；第四章主要从供应链融资的三种业务模式出发分析了不同模式所面临的风险及主要防范办法；第五章从商业银行信贷风险控制最主要的工具信用评级出发,讲述了供应链融资信用评级所要考虑的因素,并在参考XX银行供应链信用评级体系的基础上制定了对应的评级体系；第六章站在商业银行供应链融资全面风险管理的角度提出了具体的措施和建议。本文属于应用性理论研究,内容有一定的实践性和创新性,希望能为国内银行开展供应链融资提供较大的参考和借鉴,进而在一定程度上缓解我国中小企业融资难的问题。
[Abstract]:In recent years, under the influence of the financial crisis, the domestic small and medium-sized enterprises financing problems become increasingly prominent. At the same time, due to the intensification of banking competition, domestic commercial banks have turned their attention to the small and medium-sized enterprises with a large number of enterprises and great credit potential. However, due to the imperfect financial system of SMEs and the lack of collateral, commercial banks face a greater credit risk in the business of SMEs, which has become the main reason that commercial banks are reluctant to lend to SMEs. Supply chain financing improves the credit level of small and medium-sized enterprises to a certain extent by bundling the credit of small and medium-sized enterprises with the credit of core enterprises. At the same time, the credit business based on real trade makes the enterprise have a better guarantee base on the source of repayment. In view of this, supply chain financing in recent years presents a rapid development situation in China, almost all commercial banks are exploring the development of supply chain financing business. Based on the basic knowledge of supply chain financing, this paper introduces the supply chain financing business in an all-round way, and puts the final foothold on the supply chain financing risk management. The first chapter focuses on the background and significance of the research, the second chapter introduces the definition of supply chain financing business, organization model, business model and main products. The third chapter describes the background of supply chain financing, the development of foreign supply chain financing business and domestic supply chain financing business development. The fourth chapter analyzes the risks faced by different modes of supply chain financing and the main preventive measures. The fifth chapter starts from the commercial bank credit risk control most important tool credit rating, has described the supply chain financing credit rating must consider the factor, On the basis of referring to the supply chain credit rating system of XX Bank, the author makes the corresponding rating system. Chapter VI puts forward concrete measures and suggestions from the perspective of the overall risk management of supply chain financing of commercial banks. This article belongs to the applied theory research, the content has the certain practicality and the innovation, hoped can provide the bigger reference and the reference for the domestic bank to carry out the supply chain financing, then alleviates our country small and medium-sized enterprise financing difficult question to a certain extent.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【参考文献】