【摘要】：基于實地調(diào)查和分析,M銀行大連A支行針對大連口岸凍肉進口貿(mào)易商制訂了以進口凍肉倉單質(zhì)押為主要擔(dān)保方式的授信方案,增強對凍肉進口貿(mào)易商的授信支持。首先,對物流金融演進歷程及相關(guān)學(xué)者和文獻的觀點進行了梳理。然后分析了大連口岸進口凍肉市場現(xiàn)狀,發(fā)現(xiàn)凍肉進口量逐年增加,但是市場缺口依然存在,且價格相比國內(nèi)肉品具有優(yōu)勢,所調(diào)查的客戶具有較穩(wěn)定的利潤空間。與上述情況不匹配的是,銀行業(yè)對進口凍肉行業(yè)的了解不深入,授信支持不足。以M銀行大連A支行為例,支行層面的授信業(yè)務(wù)以散單為主,沒有形成凍肉行業(yè)客戶的批量開發(fā)；對此類客戶的授信面臨缺乏合適抵質(zhì)押物的問題,存量的凍肉客戶業(yè)務(wù)為低風(fēng)險業(yè)務(wù),對客戶的幫助有限。針對以上現(xiàn)狀及問題,提出了以進口凍肉為質(zhì)押物的融資授信方案。對授信客戶主體進行了分層和篩選,如,授信客戶主體的實際控制人應(yīng)從事本行業(yè)3年以上,年度全年實際進口額不低于400萬美元；進而從屬性方面分析了以凍肉為質(zhì)押物的可行性,并制定了可操作的物流金融模式。最后,選定了大連地區(qū)商檢備案冷庫為倉儲機構(gòu),制訂了質(zhì)押物保質(zhì)保價的倉單質(zhì)押方案和倉儲機構(gòu)保購、價格盯視等降低違約風(fēng)險的風(fēng)險緩釋措施。本研究意在緩解部分進口凍肉企業(yè)的融資需求,幫助它們擴大經(jīng)營規(guī)模；另外,銀行方面在增加利息收益的同時,可減少對進口凍肉企業(yè)授信的違約風(fēng)險。
[Abstract]:On the basis of field investigation and analysis, Dalian A Branch of M Bank has established a credit granting scheme with warehouse receipt pledge as the main guarantee for frozen meat import traders at Dalian Port, and strengthened the credit support for frozen meat import traders. First of all, the evolution of logistics finance and related scholars and literature point of view were combed. Then it analyzes the current situation of import frozen meat market in Dalian port, and finds that the import amount of frozen meat increases year by year, but the market gap still exists, and the price has advantages over domestic meat products, and the investigated customers have a relatively stable profit space. This is not matched by a lack of knowledge of the import frozen meat industry and inadequate credit support. Taking Dalian A Branch of M Bank as an example, the credit service at the branch level is based on bulk orders, and the bulk development of frozen meat industry customers has not been formed. Such customers face the problem of lack of appropriate collaterals, the stock of frozen meat customer business is low risk business, limited help to customers. In view of the above situation and problems, this paper puts forward a scheme of financing credit based on the pledge of imported frozen meat. For example, the actual controller of the credit client should be engaged in the industry for more than 3 years, and the actual annual import value should not be less than 4 million US dollars; Furthermore, the feasibility of using frozen meat as pledge is analyzed from the aspect of attributes, and the operational logistics financial model is established. In the end, the paper chooses the inventory cold storage in Dalian area as the storage institution, and formulates the warehouse receipt pledge scheme of the pledge, the warehouse receipt pledge scheme and the measures of reducing the risk of breach of contract such as the purchase and purchase of the warehouse storage organization, the price stare and the other measures to reduce the risk of breach of contract. The purpose of this study is to alleviate the financing needs of some import frozen meat enterprises and to help them expand their business scale. In addition, banks can reduce the risk of default on import frozen meat enterprises while increasing interest income.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.4

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