本文選題：保兌倉 + 供應鏈金融��； 參考：《北京交通大學》2013年碩士論文

【摘要】：為解決中小企業(yè)面臨的“融資難”難題,近年來商業(yè)銀行陸續(xù)推出了包括保兌倉產品在內的供應鏈金融業(yè)務產品,得到了各界的廣泛關注。供應鏈金融產品的優(yōu)勢在于銀行將風險控制重點由傳統(tǒng)信貸業(yè)務中對借款人資信的審核,通過對業(yè)務模式的轉變,引入核心廠商,將風控重點更多的鎖定在操作風險層面。 筆者通過經過多年實踐經驗的摸索,認為在保兌倉產品運行過程中,對參與方行為的研究應最為關鍵,各方行為的不確定會對整個系統(tǒng)產生巨大影響。 本文利用具體數據,通過對汽車和鋼貿行業(yè)實際案例的分析,研究了目前國內三方保兌倉產品和四方保兌倉產品中各參與方行為的影響因素,提出利潤分配是影響各方行為的主因。本文詳細分析了保兌倉產品各參與方的風險點和互相間的博弈過程,并總結出現階段兩行業(yè)在保兌倉產品操作中集中出現的幾方面風控問題,包括廠商違規(guī)放貨、倉儲機構監(jiān)管失效、經銷商未按進度提貨和價格波動超出控制。 以實際問題出發(fā),本文站在銀行的角度,針對每個具體問題分別提出了具有實操性的風險控制對策,如加強準入、動態(tài)監(jiān)控、信用增級、完善條款、賬戶監(jiān)管、設定退出策略等。 此外,本文還將汽車保兌倉和鋼貿保兌倉進行了對比分析,提出銀行針對不同行業(yè)特點,風險控制要有不同的側重點。
[Abstract]:In order to solve the problem of "financing difficulty" faced by small and medium-sized enterprises, in recent years, commercial banks have successively introduced supply chain financial business products, including confirmed warehouse products, which have received extensive attention from all walks of life. The advantage of supply chain financial products lies in that banks focus on risk control from the traditional credit business to the credit of borrowers, through the transformation of the business model, the introduction of core manufacturers, wind control focus more locked in the operational risk level. After many years of practical experience, the author thinks that the research on the behavior of the participants should be the most important in the operation process of the confirmed warehouse products, and the uncertainty of the behavior of the parties will have a great impact on the whole system. Based on the analysis of actual cases of automobile and steel trade industry, this paper studies the factors influencing the behavior of each participant in domestic three-party confirmation products and four-party confirmed warehouse products. It is put forward that profit distribution is the main factor that affects the behavior of all parties. This paper analyzes in detail the risk points and the game process among the parties involved in the confirmed warehouse products, and summarizes several aspects of wind control problems in the operation of the confirmed goods in the two industries in the emergence stage, including the illegal delivery of goods by the manufacturers. Warehousing agencies failed to regulate, dealers did not pick up according to schedule and price fluctuations out of control. From the point of view of the bank, this paper puts forward some practical risk control countermeasures, such as strengthening access, dynamic monitoring, credit upgrading, perfecting clauses, and account supervision, in view of each specific problem. Set exit strategy, etc. In addition, the paper makes a comparative analysis between the automobile confirming warehouse and the steel trade confirming warehouse, and points out that the bank should have different emphasis on risk control according to the characteristics of different industries.
【學位授予單位】：北京交通大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.42

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