本文關(guān)鍵詞： 出口信用保險(xiǎn) 貿(mào)易融資 風(fēng)險(xiǎn)防范　出處：《大連理工大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：出口信用保險(xiǎn)融資是C銀行遼寧省分行近幾年發(fā)展比較快的新型融資產(chǎn)品。作為傳統(tǒng)貿(mào)易融資產(chǎn)品的一個(gè)重要補(bǔ)充,該產(chǎn)品問(wèn)世后給遼寧省分行帶來(lái)了可觀的中間業(yè)務(wù)收入和利差收益,也間接提高了結(jié)算市場(chǎng)份額,維護(hù)了銀企關(guān)系。但隨著出口貿(mào)易環(huán)境復(fù)雜程度的加劇,業(yè)務(wù)糾紛增多,遼寧分行風(fēng)險(xiǎn)控制未能與業(yè)務(wù)拓展均衡發(fā)展,導(dǎo)致不良業(yè)務(wù)增多,逾期業(yè)務(wù)頻現(xiàn)。 本文第一章為緒論,介紹了研究的背景和意義、國(guó)內(nèi)外研究綜述以及論文研究的方法和思路；第二章對(duì)C銀行遼寧省分行出口信保融資業(yè)務(wù)現(xiàn)狀進(jìn)行分析,介紹了出口信保融資業(yè)務(wù)的流程,和遼寧行遇到的問(wèn)題；第三章從信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)和法律風(fēng)險(xiǎn)三個(gè)方面,對(duì)遼寧行出口信保融資業(yè)務(wù)面臨的風(fēng)險(xiǎn)進(jìn)行定性分析；第四章結(jié)合遼寧行近四年發(fā)生的業(yè)務(wù),利用多元定序回歸方法分析不同的風(fēng)險(xiǎn)因素對(duì)發(fā)生逾期概率的影響；第五章結(jié)合風(fēng)險(xiǎn)分析結(jié)果,從貸前、貸中和貸后三階段分別提出加強(qiáng)風(fēng)險(xiǎn)管理的方法。 本文運(yùn)用實(shí)例分析、定性分析、定量分析等手段,對(duì)研究對(duì)象出口信用保險(xiǎn)融資風(fēng)險(xiǎn)進(jìn)行了差異化論證,提出出口商履約能力、出口地區(qū)和結(jié)算種類(lèi)等均是影響融資風(fēng)險(xiǎn)的重要因素,在風(fēng)險(xiǎn)防范上提出建立業(yè)務(wù)準(zhǔn)入評(píng)分機(jī)制、建立產(chǎn)品部門(mén)與客戶(hù)關(guān)系部門(mén)的合作機(jī)制等方法。
[Abstract]:Export credit insurance financing is a new type of financing product which has been developing rapidly in Liaoning branch of C Bank in recent years. As an important supplement to traditional trade financing products, After the product came out, it brought Liaoning branch considerable income from intermediate business and interest margin, indirectly increased the share of settlement market and maintained the relationship between banks and enterprises. However, with the increasing complexity of the export trade environment, business disputes increased. Liaoning Branch risk control failed to develop in balance with business expansion, resulting in the increase of bad business, overdue business frequent. The first chapter is the introduction, which introduces the background and significance of the research, the domestic and foreign research review, and the research methods and ideas of the paper. Chapter two analyzes the current situation of export insurance financing business of C Bank Liaoning Province Branch. This paper introduces the flow of export credit insurance financing business and the problems encountered by Liaoning Bank. Chapter three makes a qualitative analysis of the risks faced by Liaoning Bank export insurance financing business from three aspects: credit risk, operational risk and legal risk. Chapter 4th, combined with the business of Liaoning Bank in the past four years, analyzes the influence of different risk factors on the occurrence of overdue probability by using the method of multivariate sequencing regression. Chapter 5th combines the results of risk analysis with the results of risk analysis, and analyzes the influence of different risk factors on the occurrence of overdue probability. The methods of strengthening risk management are put forward respectively in the three stages of credit and loan. By means of example analysis, qualitative analysis and quantitative analysis, this paper makes a differential demonstration on the risk of export credit insurance financing, and puts forward the exporter's ability to fulfill the contract. Export regions and settlement types are important factors affecting financing risk. In the aspect of risk prevention, the establishment of business access scoring mechanism and the cooperation mechanism between product departments and customer relations departments are put forward.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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