本文選題：供應(yīng)鏈金融 + 信用風(fēng)險(xiǎn)　； 參考：《吉林財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：隨著生產(chǎn)力的不斷發(fā)展、市場競爭的加劇，企業(yè)之間的競爭已經(jīng)逐步轉(zhuǎn)化為供應(yīng)鏈之間的競爭，供應(yīng)鏈內(nèi)部資金問題也隨之產(chǎn)生。我國商業(yè)銀行順勢開展供應(yīng)鏈金融業(yè)務(wù)不但在一定程度上緩解了中小企業(yè)融資難的問題，而且此業(yè)務(wù)也為商業(yè)開辟了新的業(yè)務(wù)增長點(diǎn)。不過我國商業(yè)銀行產(chǎn)品同質(zhì)化比較嚴(yán)重，供應(yīng)鏈金融業(yè)務(wù)同樣存在惡性競爭、盲目擴(kuò)張的趨勢，信用風(fēng)險(xiǎn)不斷暴露出來，因此有必要加強(qiáng)對供應(yīng)鏈金融業(yè)務(wù)的信用風(fēng)險(xiǎn)監(jiān)控。 本文首先從供應(yīng)鏈金融信用風(fēng)險(xiǎn)理論基礎(chǔ)出發(fā)，對信用風(fēng)險(xiǎn)、供應(yīng)鏈金融的理論基礎(chǔ)和供應(yīng)鏈金融信用風(fēng)險(xiǎn)管理理論進(jìn)行了梳理。 其次從宏觀和微觀兩個(gè)角度總結(jié)了我國供應(yīng)鏈金融信用風(fēng)險(xiǎn)現(xiàn)狀。宏觀上，先介紹我國供應(yīng)鏈金融業(yè)務(wù)發(fā)展現(xiàn)狀，然后具體指出我國商業(yè)銀行供應(yīng)鏈金融業(yè)務(wù)開展中普遍存在盲目性，不但缺乏獨(dú)立的風(fēng)險(xiǎn)評估體系、缺乏嚴(yán)格的供應(yīng)鏈準(zhǔn)入標(biāo)準(zhǔn)，而且業(yè)務(wù)辦理時(shí)信息技術(shù)不高。微觀上，根據(jù)生產(chǎn)不同階段對資金需求的特點(diǎn)，將供應(yīng)鏈金融具體劃分為三種模式，并具體分析了業(yè)務(wù)流程和潛在的信用風(fēng)險(xiǎn)。 再次，針對供應(yīng)鏈金融業(yè)務(wù)信用風(fēng)險(xiǎn)的特點(diǎn)，將融資企業(yè)與其供應(yīng)鏈狀況相結(jié)合，建立了供應(yīng)鏈金融業(yè)務(wù)的風(fēng)險(xiǎn)評價(jià)體系。然后利用主成分分析將26個(gè)指標(biāo)降為9個(gè)指標(biāo)，不但消除了指標(biāo)之間共線性的影響，還有利于實(shí)踐中操作執(zhí)行。接著進(jìn)行LOGISTIC回歸分析，，得到供應(yīng)鏈金融模式下的LOGISTIC模型，并將其與傳統(tǒng)信貸模式下的LOGISTIC模型進(jìn)行對比，發(fā)現(xiàn)供應(yīng)鏈金融LOGISTIC模型不但考核的因素更加全面，而且判斷準(zhǔn)確率更高。 最后，對我國供應(yīng)鏈金融業(yè)務(wù)發(fā)展過程中存在的問題提出針對性的建議。商業(yè)銀行不但要從信用風(fēng)險(xiǎn)評估和信用風(fēng)險(xiǎn)管控兩方面直接提高業(yè)務(wù)信用風(fēng)險(xiǎn)的管理水平，而且還要加強(qiáng)從業(yè)人員水平、建立中小企業(yè)信息庫等管理輔助措施。最后還需建立信用風(fēng)險(xiǎn)預(yù)警系統(tǒng)，一旦發(fā)生信用風(fēng)險(xiǎn)，銀行能夠快速、有效的應(yīng)對。
[Abstract]:With the development of productivity and the aggravation of market competition, the competition among enterprises has been gradually transformed into the competition between supply chains. The development of supply chain financial business by commercial banks in China not only alleviates the problem of financing difficulties of SMEs to a certain extent, but also opens up a new business growth point for business. However, the product homogeneity of commercial banks in our country is more serious, the supply chain financial business also exists the vicious competition, the blind expansion tendency, the credit risk unceasingly exposes, therefore, it is necessary to strengthen the credit risk monitoring to the supply chain financial business. Based on the theory of supply chain financial credit risk, this paper firstly combs the theory of credit risk, supply chain finance and supply chain finance credit risk management. Secondly, it summarizes the current situation of supply chain financial credit risk in China from macro and micro perspectives. Macroscopically, it introduces the present situation of supply chain financial business in our country, and then points out that there is blindness in the development of supply chain financial business of commercial banks in our country, not only lack of independent risk assessment system, Lack of strict supply chain access standards, and business processing information technology is not high. Microscopically, according to the characteristics of capital demand in different stages of production, the supply chain finance is divided into three models, and the business process and potential credit risk are analyzed in detail. Thirdly, according to the characteristics of credit risk of supply chain financial business, a risk evaluation system of supply chain financial business is established by combining financing enterprises with their supply chain situation. Then the principal component analysis is used to reduce the 26 indexes to 9, which not only eliminates the influence of collinearity among the indexes, but also helps to carry out the operation in practice. Then LOGISTIC regression analysis is carried out to get the LOGISTIC model under the supply chain finance model and compare it with the LOGISTIC model under the traditional credit mode. It is found that the LOGISTIC model of supply chain finance is not only more comprehensive but also more accurate. Finally, the paper puts forward some suggestions on the problems existing in the development of China's supply chain financial business. Commercial banks should not only improve the management level of business credit risk directly from the aspects of credit risk assessment and credit risk control but also strengthen the level of employees and establish the information base of small and medium-sized enterprises. Finally, credit risk warning system should be established. Once credit risk occurs, banks can deal with it quickly and effectively.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

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