本文選題：商業(yè)銀行 + 供應(yīng)鏈金融業(yè)務(wù)　； 參考：《蘭州財經(jīng)大學》2015年碩士論文

【摘要】：隨著國際經(jīng)濟的競爭加劇,供應(yīng)鏈管理業(yè)務(wù)迅速產(chǎn)生并得到了新的發(fā)展,大型的國際金融企業(yè)和物流公司開展了“供應(yīng)鏈金融業(yè)務(wù)”。與此同時,隨著國內(nèi)金融行業(yè)的迅速發(fā)展和企業(yè)對于資金渴求程度的加深,國內(nèi)各大銀行也紛紛開展了供應(yīng)鏈金融業(yè)務(wù),旨在解決國內(nèi)企業(yè)融資困難的同時,擴大自身的業(yè)績,提升經(jīng)營效率,以應(yīng)對新的挑戰(zhàn)。供應(yīng)鏈金融業(yè)務(wù)的拓展對于銀行拓展業(yè)務(wù)范圍有著重要的積極作用,然而,對于金融行業(yè)而言,高收益也就面臨著高風險,供應(yīng)鏈金融業(yè)務(wù)帶來的各種金融風險將是其自身發(fā)展的一大阻礙,在眾多的風險當中,對于業(yè)務(wù)影響最大的非信用風險莫屬,并且由于該業(yè)務(wù)的具體運作模式的創(chuàng)新性,使得該業(yè)務(wù)的信用風險與傳統(tǒng)的信貸風險有著較大的不同。所以,如何衡量供應(yīng)鏈金融業(yè)務(wù)的信用風險將是一項具有重大實際意義的研究課題,若能進一步從實際案例出發(fā),發(fā)掘該項業(yè)務(wù)信用風險管理更深層次的控制點并由此提出風險控制措施,這將會更加具有實際參考價值。本文擬站在商業(yè)銀行的視角,分為幾個層次對于商業(yè)銀行供應(yīng)鏈金融業(yè)務(wù)信用風險進行一步步的展開研究。首先,將界定商業(yè)銀行供應(yīng)鏈金融的基本概念以及供應(yīng)鏈金融業(yè)務(wù)的主要模式,為后文的進一步分析做下鋪墊;其次,本文將研究供應(yīng)鏈金融業(yè)務(wù)信用風險的相關(guān)理論基礎(chǔ),其中包括信用風險的概念、特點以及相應(yīng)的識別等,并從外部環(huán)境、融資企業(yè)自身素質(zhì)、供應(yīng)鏈運行情況以及質(zhì)押資產(chǎn)狀況等幾個方面全面建立供應(yīng)鏈金融信用風險評價體系。在此基礎(chǔ)上,本文將從商業(yè)銀行供應(yīng)鏈金融業(yè)務(wù)的三種主要業(yè)務(wù)模式上各選取成功與失敗案例進行分析,研究影響每一種業(yè)務(wù)模式信用風險的主要風險控制點。最后,文章根據(jù)之前案例的分析,從主要信用風險控制措施、信用風險信息配套措施以及金融風險管理輔助措施三個角度提出供應(yīng)鏈金融業(yè)務(wù)信用風險的防范措施和對應(yīng)的對策建議。
[Abstract]:With the increasing competition of international economy, the supply chain management business has developed rapidly, and large international financial enterprises and logistics companies have launched the "supply chain financial business". At the same time, with the rapid development of the domestic financial industry and the deepening of enterprises' demand for capital, domestic banks have also launched the supply chain financial business one after another, in order to solve the financing difficulties of domestic enterprises, and at the same time to expand their own performance. Improve operational efficiency to meet new challenges. The expansion of supply chain financial business plays an important and positive role in expanding the scope of banking business. However, for the financial industry, high returns also face high risks. All kinds of financial risks brought by the supply chain financial business will be a great obstacle to its own development. Among the many risks, the non-credit risk that has the greatest impact on the business, and because of the innovation of the specific operation mode of the business, The credit risk of the business is different from the traditional credit risk. Therefore, how to measure the credit risk of the supply chain financial business will be a research topic of great practical significance. It will have more practical reference value to excavate the deeper control points of credit risk management of the business and put forward the risk control measures. From the perspective of commercial banks, this paper is divided into several levels to study the credit risk of supply chain financial business of commercial banks step by step. First of all, it will define the basic concept of supply chain finance of commercial banks and the main mode of supply chain financial business, which will pave the way for further analysis. Secondly, this paper will study the theoretical basis of credit risk of supply chain financial business. It includes the concept, characteristics and corresponding identification of credit risk, and establishes the evaluation system of supply chain financial credit risk from external environment, financing enterprise's own quality, supply chain operation and pledge assets condition. On this basis, this paper will select the success and failure cases from the three main business models of the supply chain financial business of commercial banks, and study the main risk control points that affect the credit risk of each business model. Finally, according to the analysis of previous cases, from the main credit risk control measures, This paper puts forward the preventive measures and corresponding countermeasures of credit risk in supply chain financial business from three aspects: supporting measures of credit risk information and auxiliary measures of financial risk management.
【學位授予單位】：蘭州財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.2

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本文編號：1909764