本文選題：商業(yè)銀行 + 應收賬款質押融資�。� 參考：《河北大學》2017年碩士論文

【摘要】：應收賬款質押融資是商業(yè)銀行對工商企業(yè)信貸業(yè)務中的重要融資方式。隨著商業(yè)銀行應收賬款融資業(yè)務量不斷增大,產(chǎn)品種類不斷豐富,應收賬款融資業(yè)務為商業(yè)銀行帶來巨大利潤的同時,融資風險也不斷加大。因此,商業(yè)銀行如何優(yōu)化應收賬款質押業(yè)務成為社會各界關注的話題。本文首先介紹了論文研究的背景和意義,簡述了國內外學者對商業(yè)銀行應收賬款質押融資業(yè)務的研究成果。其次對商業(yè)銀行開展應收賬款融資業(yè)務的背景進行分析,并簡述了商業(yè)銀行應收賬款融資模式及特征。再次簡單介紹Z銀行應收賬款質押融資開展的條件和業(yè)務流程,以Z銀行對M公司開展的應收賬款質押融資為案例,對M公司的經(jīng)營情況、行業(yè)地位和財務狀況展開分析,發(fā)現(xiàn)在此筆應收賬款質押融資業(yè)務中,存在出質人償債能力欠佳、Z銀行自身的評價體系缺乏一定的合理性和貸后持續(xù)監(jiān)控管理工作不到位等問題,從而影響了該業(yè)務的運作效率。最后分別從貸前風險調查和貸后回訪管理兩方面,對Z銀行應收賬款質押融資業(yè)務提出優(yōu)化建議。本文以Z銀行對公司應收賬款質押融資的具體案例進行分析,能夠更準確實際地了解業(yè)務運作狀況以及存在的問題,對應收賬款質押融資的信用評價體系進行優(yōu)化,完善信用評價指標,以期望更加客觀地判斷應收賬款質押貸款的風險,這對Z銀行今后開展應收賬款質押貸款業(yè)務具有重要的參考意義。
[Abstract]:Accounts receivable pledge financing is an important way for commercial banks to finance the business enterprise credit business. With the increasing amount of accounts receivable financing business of commercial banks and the variety of products, the financing business of accounts receivable brings huge profits to commercial banks, and the financing risk is also increasing. Therefore, commercial banks how to optimize accounts receivable pledge business has become a topic of concern. Firstly, this paper introduces the background and significance of the research, and briefly introduces the research results of the commercial bank accounts receivable pledge financing business at home and abroad. Secondly, the paper analyzes the background of the commercial bank's account receivable financing, and briefly describes the financing mode and characteristics of the commercial bank's accounts receivable. Secondly, this paper briefly introduces the conditions and business process of the pledge financing of accounts receivable of Z Bank. Taking the pledge financing of accounts receivable of M Company as an example, this paper analyzes the operating situation, industry status and financial situation of M Company. It is found that in this business of pledge financing of accounts receivable, there are some problems such as the poor repayment ability of the mortgagor and the lack of rationality in the evaluation system of the bank itself, and the lack of continuous monitoring and management work after the loan, etc. As a result, the operation efficiency of the service is affected. Finally, from the two aspects of pre-loan risk investigation and post-loan return visit management, the paper puts forward some optimization suggestions to Z bank's accounts receivable pledge financing business. This paper analyzes the specific case of the pledge financing of accounts receivable by Z Bank, which can understand the business operation and the existing problems more accurately and practically, and optimize the credit evaluation system of the pledge financing of accounts receivable. Perfecting the credit evaluation index and expecting to judge the risk of the pledge loan of accounts receivable more objectively, which has important reference significance for Z bank to carry out the business of pledge loan of accounts receivable in the future.
【學位授予單位】：河北大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33;F830.42

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