本文選題：供應(yīng)鏈金融 + 信用風(fēng)險(xiǎn)　； 參考：《河北工程大學(xué)》2014年碩士論文

【摘要】：近年來(lái)供應(yīng)鏈金融作為一種新型的金融工具在我國(guó)快速發(fā)展，，已經(jīng)成為各大銀行相繼開(kāi)展的業(yè)務(wù)，在一定程度上解決了中小企業(yè)融資難的問(wèn)題。供應(yīng)鏈金融業(yè)務(wù)的穩(wěn)健發(fā)展在很大程度上取決于如何評(píng)價(jià)并控制其信用風(fēng)險(xiǎn)。目前的研究重點(diǎn)大多集中在如何運(yùn)用供應(yīng)鏈金融來(lái)抵御信貸風(fēng)險(xiǎn)上，對(duì)供應(yīng)鏈金融自身信用風(fēng)險(xiǎn)的控制研究還不是很多。通過(guò)對(duì)供應(yīng)鏈金融信用風(fēng)險(xiǎn)進(jìn)行科學(xué)有效的評(píng)價(jià)與控制，有利于銀行做出準(zhǔn)確的信貸決策，對(duì)促進(jìn)供應(yīng)鏈金融的穩(wěn)健發(fā)展有重大意義。 本文首先闡述了供應(yīng)鏈金融的三種融資模式和運(yùn)行機(jī)理，以及對(duì)供應(yīng)鏈上的各個(gè)主體的影響力；其次，分析了供應(yīng)鏈金融保兌倉(cāng)、融通倉(cāng)、應(yīng)收賬款三種融資模式的風(fēng)險(xiǎn)，并對(duì)供應(yīng)鏈金融模式下的中小企業(yè)信用風(fēng)險(xiǎn)進(jìn)行了識(shí)別，在此基礎(chǔ)上建立了供應(yīng)鏈金融模式下的中小企業(yè)信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系；再次，闡述了Logistic回歸模型及主成分分析的方法原理，在此基礎(chǔ)上建立供應(yīng)鏈金融模式下中小企業(yè)信用風(fēng)險(xiǎn)評(píng)價(jià)模型，并結(jié)合邯鄲市30多家中小企業(yè)的樣本數(shù)據(jù)檢驗(yàn)評(píng)價(jià)模型及主成分分析，驗(yàn)證了Logistic回歸模型及主成分分析方法的可行性與有效性。最后，本文從宏觀層面、金融機(jī)構(gòu)以及中小企業(yè)自身三個(gè)方面提出了供應(yīng)鏈金融模式下中小企業(yè)信用風(fēng)險(xiǎn)的控制對(duì)策。
[Abstract]:In recent years, as a new type of financial instrument, supply chain finance has developed rapidly in our country, which has become the business of each big bank one after another, and has solved the problem of financing difficulty of small and medium-sized enterprises to a certain extent. The steady development of supply chain financial business depends to a great extent on how to evaluate and control its credit risk. At present, most of the research focuses on how to use supply chain finance to resist credit risk, and the research on credit risk control of supply chain finance itself is not much. Through the scientific and effective evaluation and control of the credit risk of supply chain finance, it is helpful for banks to make accurate credit decisions and to promote the steady development of supply chain finance. This paper first expounds three financing modes and operating mechanism of supply chain finance, and its influence on each main body of supply chain, secondly, analyzes the risk of three financing modes of supply chain finance: confirming warehouse, financing warehouse and accounts receivable. On the basis of identifying the credit risk of small and medium-sized enterprises under the supply chain finance model, this paper establishes the credit risk evaluation index system of small and medium-sized enterprises under the supply chain finance model. This paper expounds the Logistic regression model and the principal component analysis method, and establishes the credit risk evaluation model of small and medium-sized enterprises under the supply chain finance model. The feasibility and effectiveness of Logistic regression model and principal component analysis (PCA) were verified by using the sample data test model and principal component analysis (PCA) of more than 30 small and medium-sized enterprises in Handan. Finally, this paper puts forward the control countermeasures of SMEs' credit risk under the supply chain finance model from the macro level, financial institutions and SMEs themselves.
【學(xué)位授予單位】：河北工程大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F275;F224

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