本文選題：風(fēng)險管理 + 信用評價　； 參考：《昆明理工大學(xué)》2014年碩士論文

【摘要】：供應(yīng)鏈融資近幾年在國內(nèi)有了很大的發(fā)展,由于其依賴于供應(yīng)鏈管理理論,并有效解決了中小企業(yè)融資難的問題,所以最近十年來,尤其是近五年在國內(nèi)得到了廣泛地研究。供應(yīng)鏈融資是惠及多方的,對銀行而言,擴(kuò)大了銀行的客戶群,為其進(jìn)一步的業(yè)務(wù)拓展提供了空間,真正服務(wù)了實(shí)體經(jīng)濟(jì)；對物流企業(yè)而言,參與供應(yīng)鏈融資是使其業(yè)務(wù)不再僅僅停留在傳統(tǒng)業(yè)務(wù)上；對中小企業(yè)而言,有效解決了業(yè)務(wù)發(fā)展過程中的資金短缺問題；對核心企業(yè)而言,中小企業(yè)的融資得到了解決,更有利于核心企業(yè)的供應(yīng)鏈管理。然而供應(yīng)鏈融資由于涉及的主體更多,融資方式較為靈活,信息不對稱更加復(fù)雜,所以運(yùn)作起來風(fēng)險因素更加多樣化。所以文章在定性分析以及前人研究的基礎(chǔ)上,構(gòu)建了一套針對供應(yīng)鏈上融資中小企業(yè)的信用風(fēng)險評價指標(biāo)體系,通過計(jì)算判斷企業(yè)信用風(fēng)險的相對大小,以期為商業(yè)銀行的供應(yīng)鏈融資風(fēng)險管理提供參考。 本文首先明確了供應(yīng)鏈融資的概念、理論基礎(chǔ),指出供應(yīng)鏈融資的風(fēng)險特征。其次,基于信用風(fēng)險管理理論及供應(yīng)鏈融資在國內(nèi)的發(fā)展情況,對供應(yīng)鏈融資中的信用風(fēng)險進(jìn)行識別。再次,結(jié)合前人研究及本文的定性分析,構(gòu)建融資企業(yè)的信用風(fēng)險管理評價指標(biāo)體系。隨后,本文使用主成分分析法從供應(yīng)鏈融資樣本企業(yè)的信用風(fēng)險評價指標(biāo)中篩選出主要的風(fēng)險因子,并將此作為關(guān)鍵指標(biāo)構(gòu)建供應(yīng)鏈融資企業(yè)的信用評價決策樣本。進(jìn)一步通過灰色關(guān)聯(lián)理論,建立起企業(yè)供應(yīng)鏈融資各樣本企業(yè)與信用評價最優(yōu)的供應(yīng)鏈融資的灰色關(guān)聯(lián)關(guān)系,最終得出各供應(yīng)鏈融資企業(yè)的綜合信用評價值大小,商業(yè)銀行以此判斷各樣本企業(yè)的信用風(fēng)險相對大小。最后,本文結(jié)合供應(yīng)鏈融資的發(fā)展現(xiàn)狀、遇到的問題以及模型分析過程,對供應(yīng)鏈融資下商業(yè)銀行的風(fēng)險管理提出了對策建議。
[Abstract]:Supply chain financing has developed greatly in China in recent years. Because it depends on the supply chain management theory and effectively solves the problem of financing difficulty for small and medium-sized enterprises, it has been widely studied in China in the last ten years, especially in the last five years. Supply chain financing benefits many parties. For banks, it expands the bank's customer base, provides room for further business expansion, and truly serves the real economy; for logistics enterprises, Participation in supply chain financing is to make its business no longer stay in the traditional business; for small and medium-sized enterprises, effectively solve the problem of shortage of funds in the process of business development; for core enterprises, the financing of SMEs has been resolved. More conducive to the core enterprise supply chain management. However, because supply chain financing involves more subjects, financing methods are more flexible, information asymmetry is more complex, so the operational risk factors are more diversified. On the basis of qualitative analysis and previous studies, this paper constructs a set of credit risk evaluation index system for SMEs in supply chain, and judges the relative size of enterprise credit risk by calculation. In order to provide a reference for the supply chain financing risk management of commercial banks. Firstly, this paper clarifies the concept and theoretical basis of supply chain financing, and points out the risk characteristics of supply chain financing. Secondly, based on the theory of credit risk management and the development of supply chain financing in China, credit risk in supply chain financing is identified. Thirdly, combining with the previous research and qualitative analysis of this paper, the credit risk management evaluation index system of financing enterprises is constructed. Then, the principal component analysis method is used to select the main risk factors from the credit risk evaluation index of the supply chain financing sample enterprises, and use this as the key index to construct the credit evaluation decision sample of the supply chain financing enterprises. Through the grey correlation theory, the grey correlation relationship between the sample enterprises and the supply chain financing with the best credit evaluation is established. Finally, the comprehensive credit evaluation value of the supply chain financing enterprises is obtained. Commercial banks judge the relative size of credit risk of each sample enterprise. Finally, based on the development of supply chain financing, the problems encountered and the process of model analysis, the paper puts forward some countermeasures and suggestions for the risk management of commercial banks under supply chain financing.
【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】：F832.33

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本文編號：1968214