【摘要】：隨著中小企業(yè)在我國國民經(jīng)濟(jì)中的地位不斷增強(qiáng)，中小企業(yè)已成為我國經(jīng)濟(jì)高速持續(xù)發(fā)展的重要源動(dòng)力。但是，中小企業(yè)由于體制原因及自身先天的不足，很難從商業(yè)銀行傳統(tǒng)的信貸融資模式中獲得支持，極大的抑制了中小企業(yè)的發(fā)展。 近年來,供應(yīng)鏈金融作為商業(yè)銀行提供的一種新型融資模式，規(guī)避了傳統(tǒng)信貸融資對(duì)中小企業(yè)在擔(dān)保等方面的局限性，大大拓展了中小企業(yè)的融資途徑，因此在我國發(fā)展非常迅速。但作為一種創(chuàng)新型金融產(chǎn)品，供應(yīng)鏈金融不僅存在傳統(tǒng)商業(yè)銀行信貸業(yè)務(wù)所具有的各類風(fēng)險(xiǎn)，而且還因引入了供應(yīng)鏈而產(chǎn)生具有供應(yīng)鏈金融所特有的風(fēng)險(xiǎn)。因此如何通過有效的風(fēng)險(xiǎn)管理，來保證供應(yīng)鏈金融的穩(wěn)定和安全，已成為商業(yè)銀行進(jìn)一步發(fā)展供應(yīng)鏈金融必需考慮的問題。 本文在前人研究成果的基礎(chǔ)上，通過理論分析，并結(jié)合銀行實(shí)務(wù)，對(duì)供應(yīng)鏈金融模式的進(jìn)行研究，，并通過對(duì)應(yīng)收賬款融資、保兌倉融資和融通倉融資業(yè)務(wù)流程的詳細(xì)闡述，為商業(yè)銀行利用供應(yīng)鏈金融產(chǎn)品和服務(wù)有效緩解中小企業(yè)的融資問題提供指導(dǎo)。同時(shí)，本文詳細(xì)分析了供應(yīng)鏈金融業(yè)務(wù)所面臨的主要風(fēng)險(xiǎn)、不同供應(yīng)鏈金融融資模式的風(fēng)險(xiǎn)以及目前商業(yè)銀行在供應(yīng)鏈金融風(fēng)險(xiǎn)管理中存在的問題等，并提出了供應(yīng)鏈金融風(fēng)險(xiǎn)管理的對(duì)策，主要介紹了完善供應(yīng)鏈金融準(zhǔn)入體系和銀行內(nèi)部控制體系、建設(shè)有效的信息服務(wù)平臺(tái)、健全相關(guān)法律法規(guī)等策略，以及現(xiàn)金流管理、結(jié)構(gòu)化授信和信貸資產(chǎn)證券化三個(gè)重要的風(fēng)險(xiǎn)管理手段，為商業(yè)銀行供應(yīng)鏈金融風(fēng)險(xiǎn)管理提供了可以實(shí)際運(yùn)用的管理方式，對(duì)我國商業(yè)銀行做好供應(yīng)鏈金融風(fēng)險(xiǎn)管理工作具有一定的指導(dǎo)意義。
[Abstract]:With the increasing status of small and medium-sized enterprises in our national economy, small and medium-sized enterprises have become an important source of power for the rapid and sustainable development of our economy. However, because of the institutional reasons and their inherent deficiencies, SMEs are difficult to obtain support from the traditional credit financing model of commercial banks, which greatly inhibits the development of SMEs. In recent years, supply chain finance, as a new financing mode provided by commercial banks, has avoided the limitation of traditional credit financing on the guarantee of small and medium-sized enterprises, and has greatly expanded the financing channels of small and medium-sized enterprises. Therefore, the development in our country is very rapid. However, as an innovative financial product, supply chain finance not only has all kinds of risks in the credit business of traditional commercial banks, but also has the unique risk of supply chain finance because of the introduction of supply chain. Therefore, how to ensure the stability and security of supply chain finance through effective risk management has become a problem that commercial banks must consider in the further development of supply chain finance. On the basis of previous research results, this paper studies the supply chain finance model through theoretical analysis, combined with banking practice, and elaborates the business process of accounts receivable financing, confirmed warehouse financing and finance financing. To provide guidance for commercial banks to use supply chain financial products and services to effectively alleviate the financing problems of SMEs. At the same time, this paper analyzes in detail the main risks faced by the supply chain financial business, the risks of different supply chain financial financing models and the problems existing in the supply chain financial risk management of commercial banks. It also puts forward the countermeasures of supply chain financial risk management, mainly introduces the strategies of perfecting supply chain financial access system and bank internal control system, building effective information service platform, perfecting relevant laws and regulations, and cash flow management, etc. Structured credit and credit asset securitization are three important risk management methods, which can be used in commercial banks' supply chain financial risk management. It has certain guiding significance for China's commercial banks to do a good job of supply chain financial risk management.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33;F274

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