【摘要】：企業(yè)融資難、融資貴一直是阻礙企業(yè)發(fā)展的最大障礙,問題愈顯突出。國內(nèi)信用保險(xiǎn)下的供應(yīng)鏈應(yīng)收賬款融資作為一種新的融資工具,得到了商業(yè)銀行、企業(yè)、保險(xiǎn)公司的重視。該融資模式要想獲得參與方的認(rèn)可,必須具有自己的優(yōu)勢,同時(shí),其實(shí)施過程中伴隨的風(fēng)險(xiǎn)也不容忽視。基于此,本文主要探討了信用保險(xiǎn)下供應(yīng)鏈金融應(yīng)收賬款融資模式,并分別對質(zhì)押和保理兩種融資模式的信用風(fēng)險(xiǎn)進(jìn)行評估。首先介紹了推廣該種新型融資業(yè)務(wù)的環(huán)境背景和現(xiàn)實(shí)需求。其次總結(jié)國內(nèi)外學(xué)者對供應(yīng)鏈金融的研究內(nèi)容和研究方法,并對本文的研究框架進(jìn)行梳理。緊接著重點(diǎn)介紹信用保險(xiǎn)下供應(yīng)鏈金融應(yīng)收賬款融資模式下的保理融資和質(zhì)押融資的操作流程,將兩種模式進(jìn)行對比為下文實(shí)證提供理論支持。之后通過理論分析和實(shí)踐總結(jié),綜合考慮各種因素,最終構(gòu)建了信用保險(xiǎn)下供應(yīng)鏈金融應(yīng)收賬款融資的評價(jià)結(jié)構(gòu)圖。然后結(jié)合實(shí)際案例,綜合運(yùn)用層次分析法、模糊數(shù)學(xué)綜合分析法和灰色關(guān)聯(lián)分析法對信用保險(xiǎn)下應(yīng)收賬款融資的風(fēng)險(xiǎn)進(jìn)行評價(jià),更具現(xiàn)實(shí)意義。本文最后主要針對前文的運(yùn)行結(jié)果進(jìn)行總結(jié)歸納,提出規(guī)避風(fēng)險(xiǎn)的對策并對后續(xù)的研究工作進(jìn)行了展望。信用保險(xiǎn)下的應(yīng)收賬款質(zhì)押融資的首要風(fēng)險(xiǎn)來自融資企業(yè),文章通過理論分析和信用風(fēng)險(xiǎn)實(shí)證評價(jià),定性和定量的證明了信用保險(xiǎn)下應(yīng)收賬款質(zhì)押融資模式目前所面臨的主要信用風(fēng)險(xiǎn)來自融資企業(yè),而信用保險(xiǎn)下應(yīng)收賬款保理融資模式所面臨的主要信用風(fēng)險(xiǎn)來自核心企業(yè)的整體狀況,這個(gè)結(jié)論也印證了專家們的主觀上的判斷。同時(shí),通過全文綜合分析,設(shè)計(jì)符合信用保險(xiǎn)下供應(yīng)鏈金融應(yīng)收賬款融資模式的信用風(fēng)險(xiǎn)評價(jià)指標(biāo)體系,為商業(yè)銀行在相關(guān)業(yè)務(wù)領(lǐng)域開展信用風(fēng)險(xiǎn)評價(jià)提供理論上的借鑒。
[Abstract]:Enterprise financing is difficult, financing expensive has been the biggest obstacle to the development of enterprises, the more prominent the problem. As a new financing tool, domestic credit insurance supply chain accounts receivable financing has been attached importance to by commercial banks, enterprises and insurance companies. If the financing mode wants to be approved by the participants, it must have its own advantages, and the risks associated with its implementation should not be ignored. Based on this, this paper mainly discusses the supply chain financial accounts receivable financing model under credit insurance, and evaluates the credit risk of two financing modes: pledge and factoring. Firstly, it introduces the environment background and realistic demand of popularizing the new financing business. Secondly, it summarizes the research contents and methods of domestic and foreign scholars on supply chain finance, and combs the research framework of this paper. Then it focuses on the operation flow of factoring financing and pledge financing under the credit insurance supply chain financial accounts receivable financing mode, and compares the two models to provide theoretical support for the following empirical evidence. Then through theoretical analysis and practice summary, considering all kinds of factors synthetically, the paper finally constructs the evaluation structure chart of supply chain financial accounts receivable financing under credit insurance. Then it is more practical to evaluate the risk of accounts receivable financing under credit insurance by using analytic hierarchy process fuzzy mathematics comprehensive analysis and grey relational analysis combined with practical cases. At the end of this paper, the author summarizes the results of the above research, puts forward the countermeasures to avoid the risk, and looks forward to the future research work. The primary risk of pledge financing of accounts receivable under credit insurance comes from financing enterprises. It proves qualitatively and quantitatively that the main credit risk faced by the financing mode of accounts receivable pledge under credit insurance is from the financing enterprise. The main credit risk faced by the credit insurance accounts receivable factoring financing model comes from the overall situation of the core enterprises. This conclusion also confirms the subjective judgment of the experts. At the same time, through the comprehensive analysis of the full text, the paper designs the credit risk evaluation index system which accords with the financing mode of the supply chain financial accounts receivable under the credit insurance, and provides a theoretical reference for the commercial banks to carry out the credit risk evaluation in the related business fields.
【學(xué)位授予單位】：太原科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4

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