發(fā)布時間：2018-07-10 16:00

  本文選題：供應鏈金融 + 風險成因�。� 參考：《新疆財經大學》2014年碩士論文

【摘要】：隨著我國經濟的不斷發(fā)展，中小微企業(yè)在經濟活動中的地位越來越高，為我國的國民經濟帶來了新的活力。同時，中小微企業(yè)的發(fā)展也是緩解我國就業(yè)壓力的主力軍，但與其對我國經濟作出的貢獻所不匹配的是，長期以來，中小微企業(yè)一直受融資困難的限制，不能得以快速發(fā)展。另一方面，我國商業(yè)銀行的發(fā)展步伐也在加快，利率市場化的改革迫使商業(yè)銀行尋求新的利潤增長點，不斷的進行金融創(chuàng)新。為了能夠在激烈的金融市場競爭中保有一席之地，商業(yè)銀行從我國的實際出發(fā)，從金融市場需求出發(fā)，發(fā)現中小微企業(yè)的融資需求的迫切，針對中小微企業(yè)一般以某一個大企業(yè)的中心，進行生產經營的的特性，提出了供應鏈金融的服務。隨著供應鏈金融業(yè)務的不斷開展和持續(xù)創(chuàng)新，現如今，供應鏈金融已經成為信貸業(yè)務中的最熱門的話題。 供應鏈金融雖然在某種程度上解決了中小微企業(yè)的融資困境，降低了中小微企業(yè)在授信過程中的信用風險問題，但是實質上供應鏈金融是將中小微企業(yè)的信用風險轉移成為了融資過程中的操作風險，而操作風險的來源有很多個方面，如核心企業(yè)、供應鏈節(jié)點上的中小微企業(yè)、第三方物流企業(yè)、商業(yè)銀行，這些參與主體都會發(fā)生操作風險，因此供應鏈金融的操作風險遠大于其他傳統授信業(yè)務。所以，供應鏈金融的風險防范過程顯得尤為重要。但由于我國供應鏈金融尚處于起步階段，各商業(yè)銀行的目光還盯在搶占市場份額這方面，對于完善供應鏈金融服務和供應鏈金融風險的防范工作還沒有足夠的重視，因此供應鏈金融業(yè)務開展的過程中還存在很多問題，風險防范工作更是存在問題。于是，本文以我國供應鏈金融的發(fā)展現狀為出發(fā)點，，分析供應鏈金融風險的成因，并對商業(yè)銀行供應鏈金融業(yè)務現有的風險防范加以總結，找出在此業(yè)務風險防范過程中出現的問題，提出相應的解決措施。
[Abstract]:With the development of China's economy, the status of small and medium-sized enterprises in economic activities is getting higher and higher, which has brought new vitality to our national economy. At the same time, the development of small and medium-sized enterprises is also the main force to ease the pressure of employment in China, but the contribution to our economy does not match, for a long time, small and medium-sized enterprises have been limited by the difficulty of financing, and can not develop rapidly. On the other hand, the pace of development of commercial banks in China is also speeding up. The reform of interest rate marketization forces commercial banks to seek new profit growth points and constantly carry out financial innovation. In order to keep a place in the fierce competition of financial market, commercial banks, proceeding from the reality of our country and from the demand of financial market, find that the financing needs of small and medium-sized enterprises are urgent. In view of the characteristics of production and management of small and medium enterprises, this paper puts forward the service of supply chain finance. With the continuous development and innovation of supply chain finance, supply chain finance has become the hottest topic in credit business. Although supply chain finance has solved the financing dilemma of small and medium-sized enterprises to some extent, it has reduced the credit risk of small and medium-sized enterprises in the process of granting credit. But in essence, supply chain finance transfers the credit risk of small and medium-sized enterprises into operational risk in financing process, and the source of operational risk has many aspects, such as core enterprises, small and medium-sized enterprises in the supply chain node. Third party logistics enterprises, commercial banks, these participants will have operational risks, so the operational risk of supply chain finance is much greater than other traditional credit business. Therefore, the risk prevention process of supply chain finance is particularly important. However, as the supply chain finance in our country is still in its infancy, the attention of commercial banks is still focused on the market share, and it has not paid enough attention to the improvement of supply chain financial services and the prevention of supply chain financial risks. Therefore, there are still many problems in the process of carrying out the supply chain financial business, especially in the work of risk prevention. Therefore, this paper, based on the development of supply chain finance in China, analyzes the causes of supply chain financial risks, and summarizes the existing risk prevention of commercial banks' supply chain financial business. Find out the problems in the process of business risk prevention, and put forward the corresponding solutions.
【學位授予單位】：新疆財經大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832

【參考文獻】

相關期刊論文 前2條

1 程衛(wèi)紅;評述信貸配給論[J];金融研究;2003年11期

2 胡躍飛;黃少卿;;供應鏈金融:背景、創(chuàng)新與概念界定[J];金融研究;2009年08期

本文編號：2113882