本文選題：商業(yè)銀行 + 供應鏈融資　； 參考：《浙江大學》2013年碩士論文

【摘要】：近幾年來,受金融危機的影響,國內(nèi)中小企業(yè)融資難的問題日益突出。同時,由于銀行業(yè)競爭程度加劇,國內(nèi)商業(yè)銀行紛紛把目光轉向企業(yè)數(shù)量多、信貸潛力較大的中小企業(yè)市場。但由于中小企業(yè)財務制度不完善、缺乏擔保品等原因,商業(yè)銀行開展中小企業(yè)業(yè)務面臨較大的信貸風險,這也成為商業(yè)銀行針對中小企業(yè)惜貸的主要原因。供應鏈融資通過把中小企業(yè)資信與核心企業(yè)資信進行捆綁一定程度上提升了中小企業(yè)信用水平,同時以真實貿(mào)易為基礎的信貸業(yè)務使得企業(yè)在還款來源上有較好的保證基礎。鑒于此,供應鏈融資近幾年在國內(nèi)呈現(xiàn)快速的發(fā)展態(tài)勢,各家商業(yè)銀行幾乎都在探索開展供應鏈融資業(yè)務。 本文從供應鏈融資的基本知識出發(fā),全面地介紹了供應鏈融資業(yè)務,并把最終落腳點放在了供應鏈融資風險管理上。其中,第一章重點闡述了研究的背景和意義；第二章具體介紹了供應鏈融資業(yè)務的定義、組織模式、業(yè)務模式及主要產(chǎn)品,對于新開展供應鏈融資業(yè)務的銀行起到較好的參考和借鑒作用；第三章講述了供應鏈融資的產(chǎn)生背景、國外供應鏈融資業(yè)務的發(fā)展現(xiàn)狀和國內(nèi)供應鏈融資業(yè)務的發(fā)展現(xiàn)狀,有利于商業(yè)銀行對自身有個較好的定位；第四章主要從供應鏈融資的三種業(yè)務模式出發(fā)分析了不同模式所面臨的風險及主要防范辦法；第五章從商業(yè)銀行信貸風險控制最主要的工具信用評級出發(fā),講述了供應鏈融資信用評級所要考慮的因素,并在參考XX銀行供應鏈信用評級體系的基礎上制定了對應的評級體系；第六章站在商業(yè)銀行供應鏈融資全面風險管理的角度提出了具體的措施和建議。 本文屬于應用性理論研究,內(nèi)容有一定的實踐性和創(chuàng)新性,希望能為國內(nèi)銀行開展供應鏈融資提供較大的參考和借鑒,進而在一定程度上緩解我國中小企業(yè)融資難的問題。
[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.
【學位授予單位】：浙江大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

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本文編號：2019489