本文選題：供應(yīng)鏈金融　切入點(diǎn)：ANB模式　出處：《昆明理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：由銀行簡單的信用貸款業(yè)務(wù),到抵押擔(dān)保業(yè)務(wù),再到各類金融產(chǎn)品的創(chuàng)新,供應(yīng)鏈金融成為了21世紀(jì)解決中小企業(yè)融資難的重要模式,完全其改變了銀行對單一企業(yè)主體的授信模式,密切整合供應(yīng)鏈全產(chǎn)業(yè)優(yōu)勢,充分利用供應(yīng)鏈模式的結(jié)構(gòu)特點(diǎn)把握商業(yè)、商品流通細(xì)節(jié)的本質(zhì),圍繞供應(yīng)鏈核心企業(yè)對中小企業(yè)提供金融授信支持。中小企業(yè)也越來越注重戰(zhàn)略,整合,統(tǒng)一的理念,相關(guān)流通領(lǐng)域盡量縮短或者降低成本。供應(yīng)鏈?zhǔn)侵袊箨懫髽I(yè)改善自身結(jié)構(gòu),優(yōu)化成本,提升戰(zhàn)略的重要領(lǐng)域,所以供應(yīng)鏈金融是中國大陸市場重要的融資領(lǐng)域。因此,對供應(yīng)鏈金融模式及風(fēng)險(xiǎn)控做系統(tǒng)性的研究,為正在準(zhǔn)備從事或者已經(jīng)從事供應(yīng)鏈金融業(yè)務(wù)的參與者,行業(yè)監(jiān)管者提供新的思路和方法。 本文研究供應(yīng)鏈金融業(yè)務(wù)中的一種資源營運(yùn)新模式下衍生的供應(yīng)鏈金融業(yè)務(wù)即ANB業(yè)務(wù)。供應(yīng)鏈金融通過多年發(fā)展(1+N業(yè)務(wù)模式),被投行等機(jī)構(gòu)或投資者看重,紛紛組建全供應(yīng)鏈管理體系模塊,以獲得商業(yè)銀行授信,形成一種新的管理公司(多以股權(quán)投資基金有限公司名義),即掌握全供應(yīng)鏈模塊中的所有核心業(yè)務(wù)的供應(yīng)鏈管理公司(簡稱SCMC)的大背景下形成的。目前國內(nèi)研究領(lǐng)域,集中在供應(yīng)鏈金融業(yè)務(wù),1+N模塊化的授信及風(fēng)險(xiǎn)研究。本文側(cè)重于對供應(yīng)鏈金融業(yè)務(wù)衍生出的供應(yīng)鏈管理公司的ANB業(yè)務(wù)進(jìn)行研究,在獲得商業(yè)銀行授信后,供應(yīng)鏈管理公司對商業(yè)銀行產(chǎn)生的風(fēng)險(xiǎn)及對策研究。商業(yè)銀行在對供應(yīng)鏈1+N業(yè)務(wù)進(jìn)行授信時(shí),伴隨著巨大的信用及詐騙風(fēng)險(xiǎn)。由于SCMC的隱蔽性,通過各種手段故意避開關(guān)聯(lián)企業(yè),商業(yè)銀行在進(jìn)行審查時(shí),無法發(fā)現(xiàn)SCMC企業(yè)之間的相關(guān)性,使得授信流出,由此扯開銀行信用和詐騙風(fēng)險(xiǎn)的敞口。 鑒于此,本文將研究如何在授信前和授信后加強(qiáng)對此類業(yè)務(wù)的監(jiān)管,預(yù)防由此類業(yè)務(wù)給商業(yè)銀行帶來的巨大風(fēng)險(xiǎn)
[Abstract]:From the bank's simple credit loan business to mortgage guarantee business, and then to the innovation of various financial products, supply chain finance has become an important model to solve the financing difficulties of small and medium-sized enterprises in 21th century. It completely changes the credit mode of the bank to the single enterprise body, closely integrates the whole industry advantage of the supply chain, fully utilizes the structural characteristics of the supply chain mode to grasp the essence of the details of commercial and commodity circulation. Around the supply chain core enterprises to provide financial credit support to small and medium-sized enterprises. Small and medium-sized enterprises also pay more and more attention to the concept of strategy, integration and unity. Supply chain is an important area for enterprises in mainland China to improve their structure, optimize their costs and upgrade their strategies. Therefore, supply chain finance is an important financing area in mainland China. The systematic research on supply chain finance model and risk control provides new ideas and methods for the participants who are or have already engaged in the supply chain finance business. This paper studies the ANB business, which is derived from a new mode of resource operation in supply chain finance business. Supply chain finance is valued by investment banks and other institutions or investors through many years' development of supply chain finance business model. In order to obtain the credit from commercial banks, the whole supply chain management system modules have been set up one after another. Forming a new management company (mostly in the name of equity investment fund limited company, that is, the supply chain management company (SCMCM), which has all the core business in the whole supply chain module). This paper focuses on the research on the ANB business of the supply chain management company derived from the supply chain financial business. After obtaining the credit from the commercial bank, this paper focuses on the research of the credit and risk of the supply chain finance business. Research on the risks and Countermeasures of supply chain Management companies to Commercial Banks. When commercial banks grant credit to supply chain 1N business, it is accompanied by huge credit and fraud risks. Because of the concealment of SCMC, Through various means to avoid the associated enterprises, commercial banks in the examination, can not find the correlation between the SCMC enterprises, make the credit outflow, so as to open the bank credit and fraud risk exposure. In view of this, this paper will study how to strengthen the supervision of this kind of business before and after the credit, so as to prevent the huge risk that this kind of business brings to the commercial banks.
【學(xué)位授予單位】：昆明理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F426.83

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