發(fā)布時(shí)間：2018-05-07 14:00

  本文選題：服務(wù)“三農(nóng)” + 供應(yīng)鏈金融��； 參考：《山東大學(xué)》2012年碩士論文

【摘要】：服務(wù)“三農(nóng)”是黨和國家的戰(zhàn)略決策。供應(yīng)鏈金融模式的引入,為解決“三農(nóng)”融資難問題提供了一條有效的途徑,因其具有較大的市場潛力,正成為各家銀行互相競爭的新領(lǐng)域。供應(yīng)鏈金融改變了過去銀行等金融機(jī)構(gòu)對單一企業(yè)主體的授信模式,充分利用了產(chǎn)業(yè)供應(yīng)鏈結(jié)構(gòu)特點(diǎn)及對商品交易細(xì)節(jié)的把握,圍繞核心企業(yè)對其供應(yīng)鏈上的中小成員提供金融支持,這正好符合農(nóng)業(yè)產(chǎn)業(yè)化、訂單農(nóng)業(yè)、產(chǎn)業(yè)集群等“新三農(nóng)”發(fā)展模式。因此,通過對供應(yīng)鏈金融的融資模式和風(fēng)險(xiǎn)控制做進(jìn)一步研究,建立適合“三農(nóng)”業(yè)務(wù)特點(diǎn)的信貸業(yè)務(wù)運(yùn)作模式,銀行可實(shí)現(xiàn)“三農(nóng)”信貸業(yè)務(wù)的商業(yè)化運(yùn)作,確保其金融支農(nóng)的積極性。 本文首先分析了“三農(nóng)”信貸業(yè)務(wù)風(fēng)險(xiǎn)特點(diǎn),指出傳統(tǒng)信貸風(fēng)險(xiǎn)控制措施已不能完全滿足“三農(nóng)”客戶風(fēng)險(xiǎn)管理需要。進(jìn)而指出,通過將供應(yīng)鏈融資模式引入到“三農(nóng)”信貸業(yè)務(wù)中,可以解決銀企信息不對稱問題,有效防控“三農(nóng)”信貸業(yè)務(wù)風(fēng)險(xiǎn)。在此基礎(chǔ)上,本文根據(jù)信息不對稱理論的兩個(gè)核心觀點(diǎn)：逆向選擇和道德風(fēng)險(xiǎn),建立了“三農(nóng)”信貸業(yè)務(wù)風(fēng)險(xiǎn)控制的兩個(gè)工具：供應(yīng)鏈信貸資金池和資金流信息鏈。 供應(yīng)鏈信貸資金池從宏觀層面,分析整個(gè)供應(yīng)鏈成員的交易情況,參照行業(yè)發(fā)展情況、核心企業(yè)授信額度和區(qū)域授信額度,合理核定整個(gè)供應(yīng)鏈融資需求總量,而不是核定每個(gè)借款企業(yè)的授信額度,達(dá)到防范供應(yīng)鏈融資中存在的逆向選擇問題。 資金流信息鏈針對供應(yīng)鏈融資模式下信貸風(fēng)險(xiǎn)向操作風(fēng)險(xiǎn)轉(zhuǎn)移的特點(diǎn),通過構(gòu)建“資金流信息鏈”,實(shí)現(xiàn)供應(yīng)鏈“信息流-物流-資金流”的無縫對接和各參與方的緊密聯(lián)系,從微觀上對資金流向?qū)嵤┍O(jiān)控,確保每一筆貸款資金的正確使用和客戶資金的及時(shí)回流,達(dá)到防范供應(yīng)鏈融資中存在的道德風(fēng)險(xiǎn)問題。
[Abstract]:Serving the "three rural areas" is the strategic decision of the Party and the country. The introduction of supply chain financial model provides an effective way to solve the financing problem of agriculture, rural areas and farmers. Because of its great market potential, it is becoming a new field in which banks compete with each other. Supply chain finance has changed the credit mode of banks and other financial institutions to single enterprise, and made full use of the characteristics of industrial supply chain structure and the grasp of commodity transaction details. Around the core enterprises to provide financial support to the small and medium-sized members of their supply chain, which is in line with the agricultural industrialization, order agriculture, industrial clusters and other "new three rural" development model. Therefore, through further research on the financing mode and risk control of supply chain finance, the bank can realize the commercial operation of the credit business, which is suitable for the characteristics of "agriculture, countryside and farmers" business. To ensure the enthusiasm of its financial support for agriculture. This paper first analyzes the characteristics of the credit risk of "three rural areas", and points out that the traditional credit risk control measures can no longer fully meet the needs of customer risk management of "agriculture, rural areas and farmers". Furthermore, it is pointed out that by introducing the supply chain financing mode into the credit business of agriculture, rural areas and farmers, we can solve the problem of information asymmetry of banks and enterprises, and effectively prevent and control the risks of credit business of "agriculture, rural areas and farmers". On this basis, according to the two core viewpoints of information asymmetry theory: adverse selection and moral hazard, this paper establishes two tools of credit risk control in agriculture, rural areas and farmers: the credit fund pool of supply chain and the information chain of capital flow. The supply chain credit fund pool analyzes the transaction situation of the whole supply chain members from the macro level, referring to the development of the industry, the core enterprise credit line and the regional credit line, and reasonably determining the total financing demand of the whole supply chain. Instead of approving the credit line of each borrowing enterprise, the problem of adverse selection in supply chain financing can be prevented. The information chain of capital flow aims at the characteristics of transferring credit risk to operational risk in the mode of supply chain financing. By constructing "information chain of capital flow", the information chain of "information flow, material flow and capital flow" of supply chain can be connected seamlessly with each participant. In order to ensure the correct use of each loan fund and the timely return of customer funds, we can prevent the moral hazard existing in the supply chain financing.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.43

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