本文關(guān)鍵詞：包商銀行呼包鄂地區(qū)供應(yīng)鏈融資模式研究　出處：《內(nèi)蒙古大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

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【摘要】：在全球一體化的今天,中小企業(yè)對(duì)國(guó)內(nèi)生產(chǎn)總值的貢獻(xiàn)、促進(jìn)經(jīng)濟(jì)快速發(fā)展以及實(shí)現(xiàn)社會(huì)充分就業(yè)方面都發(fā)揮了不可磨滅的作用,其在國(guó)民經(jīng)濟(jì)和社會(huì)發(fā)展中的地位日益突出。但是,由于中小企業(yè)資產(chǎn)規(guī)模小、人員少、沒有可用于抵押的實(shí)物資產(chǎn)的特點(diǎn),它在信貸市場(chǎng)所能享有的金融服務(wù)卻沒有隨著其地位的提升而發(fā)生過多改變,困擾其發(fā)展的融資難問題仍舊長(zhǎng)期存在。在這種環(huán)境下,供應(yīng)鏈融資順勢(shì)而生。它從產(chǎn)業(yè)鏈角度將中小企業(yè)的信貸風(fēng)險(xiǎn)同鏈條上的核心企業(yè)相對(duì)接,著重強(qiáng)調(diào)整條供應(yīng)鏈的關(guān)聯(lián)度、穩(wěn)定性以及貿(mào)易的真實(shí)性,它為解決中小企業(yè)融資難的問題提供了一種新的途徑。 包商銀行作為我國(guó)西北地區(qū)最大的城市商業(yè)銀行之一,其供應(yīng)鏈融資業(yè)務(wù)開展已經(jīng)具備較好的市場(chǎng)及客戶基礎(chǔ),尤其在內(nèi)蒙古地區(qū)已經(jīng)形成一定的品牌知名度。通過本文,作者在梳理了供應(yīng)鏈及供應(yīng)鏈融資等相關(guān)理論、概括總結(jié)供應(yīng)鏈融資的幾種典型運(yùn)作模式及各種模式潛在的風(fēng)險(xiǎn)點(diǎn)的基礎(chǔ)上,以包商銀行供應(yīng)鏈融資業(yè)務(wù)的開展作為研究對(duì)象,結(jié)合內(nèi)蒙古呼包鄂地區(qū)的經(jīng)濟(jì)特點(diǎn),分析了包商銀行供應(yīng)鏈融資的融資模式及其風(fēng)險(xiǎn)控制點(diǎn),并針對(duì)其融資模式和風(fēng)險(xiǎn)控制過程中存在的問題,通過具體實(shí)例,提出了相應(yīng)的模式優(yōu)化和風(fēng)險(xiǎn)控制強(qiáng)化的應(yīng)對(duì)策略,指出供應(yīng)鏈融資對(duì)于銀行拉動(dòng)負(fù)債業(yè)務(wù)、改善風(fēng)險(xiǎn)管理、開拓中小市場(chǎng)、培養(yǎng)客戶關(guān)系管理等方面具有較強(qiáng)的意義。
[Abstract]:In today's global integration, the contribution of small and medium-sized enterprises to GDP, the promotion of rapid economic development and the realization of full employment have played an indelible role. Its position in the national economy and social development is increasingly prominent. However, due to the small scale of small and medium-sized enterprises, there are few personnel, there is no real assets that can be used for mortgage. However, the financial services it can enjoy in the credit market have not changed too much with the advancement of its status, and the financing difficulties that haunt its development still exist for a long time. Supply chain financing comes into being from the angle of industrial chain. It docks the credit risk of small and medium-sized enterprises with the core enterprises in the chain, and emphasizes the relevance, stability and authenticity of trade in the whole supply chain. It provides a new way to solve the financing problem of small and medium-sized enterprises. As one of the largest city commercial banks in Northwest China, the contractor Bank has a good market and customer base to carry out its supply chain financing business. In particular, in Inner Mongolia has formed a certain brand awareness. Through this article, the author combed the supply chain and supply chain financing and other related theories. On the basis of summing up several typical operation modes of supply chain financing and the potential risk points of various modes, this paper takes the development of supply chain financing business of the contractor bank as the research object. Combined with the economic characteristics of Hubao Hubei region in Inner Mongolia, this paper analyzes the financing mode and risk control points of the supply chain financing of the contractor bank, and aiming at the problems existing in its financing mode and risk control process, through concrete examples. Put forward the corresponding mode optimization and risk control strengthen the response strategy, pointed out that supply chain financing for banks to pull debt business, improve risk management, open up small and medium-sized markets. It is of great significance to cultivate customer relationship management.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F275;F832.33

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