本文選題：供應(yīng)鏈金融 + 核心企業(yè)��； 參考：《天津大學(xué)》2012年碩士論文

【摘要】：供應(yīng)鏈金融業(yè)務(wù)定位于服務(wù)供應(yīng)鏈上的廣大的中小企業(yè)，它緊緊圍繞核心企業(yè)展開，利用核心企業(yè)的強(qiáng)勢地位和資信優(yōu)勢，，整合了供應(yīng)鏈上的信息流、物流和資金流，可以為鏈上企業(yè)提供全面的融資、物流等服務(wù)。它針對當(dāng)前供應(yīng)鏈上的中小企業(yè)整體實(shí)力和資信水平不高的現(xiàn)況，通過優(yōu)化現(xiàn)有的供應(yīng)鏈上下游企業(yè)間的合作關(guān)系，將原來單個(gè)企業(yè)不可控的信用風(fēng)險(xiǎn)轉(zhuǎn)變?yōu)檎w供應(yīng)鏈的可控風(fēng)險(xiǎn)。突破了銀行等金融機(jī)構(gòu)以單一企業(yè)為授信主體的傳統(tǒng)授信模式，拓寬了銀行業(yè)務(wù)渠道，有效控制了信貸風(fēng)險(xiǎn)，為廣大中小企業(yè)解決“融資難”的問題提供了全新的方案。 我國銀行的供應(yīng)鏈金融業(yè)務(wù)相對于國外起步較晚，相關(guān)的融資服務(wù)和融資產(chǎn)品都有待完善。供應(yīng)鏈融資產(chǎn)品種類不多，很難適應(yīng)廣大中小企業(yè)多種多樣的融資需求；另一方面國內(nèi)銀行對于供應(yīng)鏈金融產(chǎn)品的定價(jià)缺乏實(shí)際經(jīng)驗(yàn)，產(chǎn)品價(jià)格普遍過高，無法保證在銀行信貸風(fēng)險(xiǎn)可控的范圍內(nèi)實(shí)現(xiàn)融資企業(yè)的受益最大化，導(dǎo)致該金融創(chuàng)新很難在供應(yīng)鏈上的中小企業(yè)間推廣；同時(shí)當(dāng)前的供應(yīng)鏈融資產(chǎn)品在實(shí)際的運(yùn)營過程中還經(jīng)常會遇到各種各樣的問題，這又進(jìn)一步影響了產(chǎn)品的運(yùn)行效率和市場價(jià)值。如何在銀行信貸風(fēng)險(xiǎn)可控的范圍內(nèi)優(yōu)化供應(yīng)鏈融資產(chǎn)品結(jié)構(gòu)；提高產(chǎn)品運(yùn)營效率；實(shí)現(xiàn)產(chǎn)品價(jià)值；進(jìn)而提升所服務(wù)供應(yīng)鏈的整體競爭力，成為銀行急需解決的問題。本文基于上述背景針對供應(yīng)鏈金融中的融資產(chǎn)品的優(yōu)化進(jìn)行了系統(tǒng)性的研究。
[Abstract]:The financial business of supply chain is oriented to the large number of small and medium-sized enterprises in the service supply chain. It closely revolves around the core enterprise and integrates the information flow, logistics and capital flow in the supply chain by utilizing the strong position and credit advantage of the core enterprise. Can provide comprehensive financing, logistics and other services for enterprises on the chain. In view of the fact that the overall strength and credit level of SMEs in the current supply chain are not high, it optimizes the cooperative relationship between upstream and downstream enterprises in the current supply chain. The original uncontrollable credit risk of individual enterprise is transformed into the controllable risk of the whole supply chain. It has broken through the traditional credit mode in which banks and other financial institutions take a single enterprise as the main body of credit, broadened the banking business channels, and effectively controlled the credit risk. It provides a new scheme for the small and medium-sized enterprises to solve the problem of "financing difficulties". The supply chain financial business of Chinese banks starts relatively late compared with foreign countries, and the related financing services and financing products need to be improved. There are not many kinds of financing products in the supply chain, so it is difficult to adapt to the diverse financing needs of the large number of small and medium-sized enterprises. On the other hand, the domestic banks lack practical experience in pricing supply chain financial products, and the prices of the products are generally too high. It is impossible to guarantee that the benefit of financing enterprises can be maximized within the scope of controllable bank credit risk, which makes it difficult for the financial innovation to be popularized among small and medium-sized enterprises in the supply chain. At the same time, the current supply chain financing products often encounter a variety of problems in the actual operation process, which further affect the operational efficiency and market value of the products. How to optimize the structure of supply chain financing products, improve the efficiency of product operation, realize the value of products, and then enhance the overall competitiveness of the supply chain under the control of bank credit risk has become an urgent problem for banks to solve. Based on the above background, this paper makes a systematic study on the optimization of financing products in supply chain finance.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F274;F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 楊晏忠;;論商業(yè)銀行供應(yīng)鏈金融的風(fēng)險(xiǎn)防范[J];金融論壇;2007年10期

2 劉長宏;王春暉;吳迪;;關(guān)于創(chuàng)建中小企業(yè)“1+N”授信模式的研究[J];金融論壇;2008年02期

3 李齊;;金融危機(jī)下我國供應(yīng)鏈融資的未來走向[J];中國儲運(yùn);2009年05期

4 吳建強(qiáng);;我國推進(jìn)供應(yīng)鏈金融業(yè)務(wù)的思考[J];當(dāng)代經(jīng)濟(jì);2009年19期

5 陳寶峰;馮耕中;李毅學(xué);;存貨質(zhì)押融資業(yè)務(wù)的價(jià)值風(fēng)險(xiǎn)度量[J];系統(tǒng)工程;2007年10期

6 馮靜生;;供應(yīng)鏈金融:優(yōu)勢、風(fēng)險(xiǎn)及建議[J];區(qū)域金融研究;2009年02期

7 郭濤;中小企業(yè)融資的新渠道——應(yīng)收賬款融資[J];經(jīng)濟(jì)師;2005年02期

8 尹海丹;;基于供應(yīng)鏈金融各模式下的銀行風(fēng)險(xiǎn)防范[J];經(jīng)濟(jì)師;2009年05期

9 伊志宏;宋華;于亢亢;;商業(yè)銀行金融供應(yīng)鏈創(chuàng)新與風(fēng)險(xiǎn)控制研究——以中信銀行的金融創(chuàng)新服務(wù)為例[J];經(jīng)濟(jì)與管理研究;2008年07期

10 孫鳳英;;應(yīng)收賬款質(zhì)押貸款 企業(yè)融資的新渠道[J];經(jīng)濟(jì)縱橫;2007年10期

相關(guān)博士學(xué)位論文 前1條

1 朱文貴;金融供應(yīng)鏈分析與決策[D];復(fù)旦大學(xué);2007年

本文編號：2008470