本文選題：供應(yīng)鏈融資 + 客觀信用風(fēng)險(xiǎn)��； 參考：《西安電子科技大學(xué)》2014年碩士論文

【摘要】：隨著全球化進(jìn)程的推進(jìn)，經(jīng)濟(jì)競(jìng)爭(zhēng)方式由企業(yè)間的競(jìng)爭(zhēng)慢慢向供應(yīng)鏈的競(jìng)爭(zhēng)方向轉(zhuǎn)變。所以在供應(yīng)鏈競(jìng)爭(zhēng)的的背景下，整合供應(yīng)鏈資源提升供應(yīng)鏈整體效能是提升供應(yīng)鏈競(jìng)爭(zhēng)力的關(guān)鍵所在。而對(duì)于處于供應(yīng)鏈之中的中小企業(yè)，其成長(zhǎng)發(fā)展中一直都伴隨著融資難的問題。此時(shí)由于國(guó)內(nèi)利率市場(chǎng)化的推進(jìn)，商業(yè)銀行利差的縮小，金融產(chǎn)品的創(chuàng)新和中間業(yè)務(wù)的大力開展勢(shì)在必行，在此背景下,供應(yīng)鏈融資成為商業(yè)銀行新的利潤(rùn)增長(zhǎng)點(diǎn)。所以供應(yīng)鏈融資業(yè)務(wù)的開展，可以達(dá)到商業(yè)銀行和融資企業(yè)、供應(yīng)鏈發(fā)展共贏的局面。 本文通過分析四種具有代表性的供應(yīng)鏈融資模式，從中剖析出每種模式在融資流程中易發(fā)生風(fēng)險(xiǎn)的節(jié)點(diǎn)和風(fēng)險(xiǎn)控制側(cè)重，總結(jié)出概括性強(qiáng)的客觀風(fēng)險(xiǎn)評(píng)價(jià)要素，以此選取供應(yīng)鏈融資客觀信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)。通過構(gòu)建數(shù)學(xué)模型，依據(jù)選取的供應(yīng)鏈融資客觀信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)和供應(yīng)鏈融資的企業(yè)貸款數(shù)據(jù)，建立BP神經(jīng)網(wǎng)絡(luò)供應(yīng)鏈融資客觀信用風(fēng)險(xiǎn)評(píng)價(jià)模型，并且運(yùn)用“3σ準(zhǔn)則”做出初始信用風(fēng)險(xiǎn)評(píng)價(jià)，規(guī)避評(píng)價(jià)主體對(duì)樣本信用評(píng)價(jià)的主觀偏差，最終考量BP神經(jīng)網(wǎng)絡(luò)法在供應(yīng)鏈融資客觀信用風(fēng)險(xiǎn)評(píng)價(jià)中的適用性。最后從風(fēng)險(xiǎn)管理流程的角度，給出供應(yīng)鏈各個(gè)參與主體發(fā)展供應(yīng)鏈融資業(yè)務(wù)時(shí)的建議：授信機(jī)構(gòu)建立完善的評(píng)價(jià)供應(yīng)鏈融資風(fēng)險(xiǎn)的機(jī)制；融資企業(yè)加強(qiáng)與核心企業(yè)的業(yè)務(wù)往來，在自身實(shí)力薄弱的情況下盡可能的依托供應(yīng)鏈來發(fā)展壯大自身實(shí)力；各級(jí)政府對(duì)供應(yīng)鏈融資把握審慎監(jiān)管的同時(shí)，建立配套的法律法規(guī)政策和營(yíng)造良好的業(yè)務(wù)開展環(huán)境，積極的引導(dǎo)和鼓勵(lì)供應(yīng)鏈融資業(yè)務(wù)的開展；倉(cāng)儲(chǔ)企業(yè)抓住供應(yīng)融資的機(jī)遇，拓展自身的業(yè)務(wù)范圍，擴(kuò)大業(yè)務(wù)規(guī)模使得自身的競(jìng)爭(zhēng)力得以提升。同時(shí)認(rèn)識(shí)到，通過融資參與主體各方的積極配合，，供應(yīng)鏈融資既能滿足中小企業(yè)融資的要求，也能保證降低貸款風(fēng)險(xiǎn)，實(shí)現(xiàn)共贏。
[Abstract]:With the advancement of globalization, the mode of economic competition is gradually changing from competition among enterprises to competition in supply chain. Therefore, in the context of supply chain competition, integrating supply chain resources to enhance the overall efficiency of supply chain is the key to enhance supply chain competitiveness. For the SMEs in the supply chain, their growth and development has always been accompanied by the problem of financing difficulties. At this time due to the promotion of the marketization of domestic interest rates, the narrowing of interest rate differentials of commercial banks, the innovation of financial products and the vigorous development of intermediate business, it is imperative that supply chain financing becomes a new profit growth point of commercial banks. Therefore, the development of supply chain financing business, can achieve commercial banks and financing enterprises, supply chain development win-win situation. By analyzing four representative supply chain financing models, this paper analyzes the risk prone node and risk control focus of each mode in the financing process, and summarizes the objective risk evaluation elements with strong generality. On this basis, the objective credit risk evaluation index of supply chain financing is selected. Based on the objective credit risk evaluation index of supply chain financing and the enterprise loan data of supply chain financing, the objective credit risk evaluation model of supply chain financing based on BP neural network is established. And using "3 蟽 criterion" to make initial credit risk evaluation, to avoid subjective deviation of evaluation subject to sample credit evaluation, and finally to consider the applicability of BP neural network method in the objective credit risk evaluation of supply chain financing. Finally, from the point of view of risk management process, the paper puts forward some suggestions on the development of supply chain financing business: credit institutions establish a perfect mechanism to evaluate supply chain financing risks, financing enterprises strengthen business transactions with core enterprises. In the case of their own weak strength to rely on the supply chain as far as possible to develop and strengthen their own strength; governments at all levels of supply chain financing grasp prudential supervision, establish supporting laws, regulations and policies and create a good business environment, Actively guide and encourage the development of supply chain financing business; warehousing enterprises seize the opportunity of supply financing expand their own business scope expand the scale of business so as to enhance their competitiveness. At the same time, it is recognized that supply chain financing can not only meet the financing requirements of small and medium-sized enterprises, but also reduce the loan risk and achieve win-win through the active cooperation of all parties involved in the financing.
【學(xué)位授予單位】：西安電子科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F274;F275

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本文編號(hào)：2054365