本文關(guān)鍵詞：商業(yè)銀行銀行承兌匯票融資業(yè)務(wù)風(fēng)險(xiǎn)管理研究　出處：《內(nèi)蒙古大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 銀行承兌匯票 票據(jù)融資 風(fēng)險(xiǎn)管理

【摘要】：隨著我國(guó)市場(chǎng)經(jīng)濟(jì)和金融體系的不斷發(fā)展,票據(jù)已經(jīng)成為市場(chǎng)經(jīng)濟(jì)條件下經(jīng)濟(jì)生活不可或缺的工具。銀行承兌匯票具有融資功能,票據(jù)融資業(yè)務(wù)也就應(yīng)運(yùn)而生,進(jìn)入了快速發(fā)展階段。票據(jù)融資利率較低,操作靈活,融資方便,為企業(yè)融資難題提供了可行的解決方案。同時(shí)也對(duì)商業(yè)銀行提高資金流動(dòng)性、優(yōu)化信貸結(jié)構(gòu)做出了貢獻(xiàn)。但是當(dāng)前票據(jù)市場(chǎng)正在嶄新的發(fā)展期,相對(duì)來(lái)講具有不確定的外部環(huán)境,有關(guān)法制法規(guī)不完善,未形成良好社會(huì)信用體系,非理性競(jìng)爭(zhēng)行為屢禁不止,商業(yè)銀行很難獲取企業(yè)真實(shí)實(shí)力和融資款項(xiàng)實(shí)際用途等重要信息。于是,銀行承兌匯票融資業(yè)務(wù)的風(fēng)險(xiǎn)問(wèn)題接踵而至,給銀行造成風(fēng)險(xiǎn)和損失。因此高度防范風(fēng)險(xiǎn),控制票據(jù)業(yè)務(wù)風(fēng)險(xiǎn)的形成有著重要的意義。 票據(jù)融資業(yè)務(wù)風(fēng)險(xiǎn)將長(zhǎng)期存在于票據(jù)融資業(yè)務(wù)的發(fā)展過(guò)程中,如何在發(fā)展票據(jù)業(yè)務(wù)的同時(shí)行之有效地防范風(fēng)險(xiǎn)是本文闡述的主題。本文通過(guò)對(duì)商業(yè)銀行票據(jù)融資現(xiàn)狀、票據(jù)融資方法的介紹,依據(jù)風(fēng)險(xiǎn)管理相關(guān)規(guī)制,對(duì)有代表性的票據(jù)融資業(yè)務(wù)風(fēng)險(xiǎn)進(jìn)行深入分析,結(jié)合列舉市場(chǎng)上存在的票據(jù)融資風(fēng)險(xiǎn)案例,提出防范票據(jù)融資風(fēng)險(xiǎn)的管理措施,引導(dǎo)商業(yè)銀行形成有效的風(fēng)險(xiǎn)管理。有利于銀企建立長(zhǎng)期良好的合作關(guān)系,實(shí)現(xiàn)共贏,既緩解了企業(yè)融資問(wèn)題,又能發(fā)揮商業(yè)銀行業(yè)務(wù)優(yōu)勢(shì),提高業(yè)務(wù)收入,發(fā)展長(zhǎng)期客戶。因而商業(yè)銀行銀行承兌匯票融資業(yè)務(wù)的風(fēng)險(xiǎn)管理研究具有深刻的理論意義,也具有較高的實(shí)踐價(jià)值。
[Abstract]:With the development of market economy and financial system in our country, bill has become an indispensable tool of economic life under the condition of market economy. Bank acceptance bill has financing function, and bill financing business has emerged as the times require. At the same time, the paper financing interest rate is low, the operation is flexible, the financing is convenient, which provides a feasible solution for the financing problem of enterprises. At the same time, it also improves the liquidity of commercial banks. Optimization of credit structure has contributed. But the current bill market is in a new period of development, relatively speaking, there is an uncertain external environment, the relevant laws and regulations are not perfect, has not formed a good social credit system. Irrational competitive behavior is not prohibited, commercial banks are very difficult to obtain the real strength of enterprises and the actual use of financing funds and other important information. Therefore, the bank acceptance of bills of exchange financing business risk problems one after another. Therefore, it is of great significance to prevent the risks and control the formation of the risk of bill business. The risk of bill financing business will exist in the development process of bill financing business for a long time. How to effectively guard against risks while developing bill business is the theme of this paper. Through the introduction of the present situation of commercial bank bill financing and the method of bill financing, according to the relevant regulation of risk management. This paper deeply analyzes the risk of the representative bill financing business, and puts forward the management measures to prevent the bill financing risk by enumerating the cases of the bill financing risk in the market. Guiding commercial banks to form effective risk management is conducive to the establishment of long-term good cooperative relationship between banks and enterprises and the realization of win-win. It not only alleviates the financing problem of enterprises but also can give full play to the business advantages of commercial banks and increase business income. Therefore, the research on risk management of acceptance draft financing by commercial banks has profound theoretical significance and high practical value.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

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本文編號(hào)：1438000