【摘要】：基于實(shí)地調(diào)查和分析,M銀行大連A支行針對(duì)大連口岸凍肉進(jìn)口貿(mào)易商制訂了以進(jìn)口凍肉倉單質(zhì)押為主要擔(dān)保方式的授信方案,增強(qiáng)對(duì)凍肉進(jìn)口貿(mào)易商的授信支持。首先,對(duì)物流金融演進(jìn)歷程及相關(guān)學(xué)者和文獻(xiàn)的觀點(diǎn)進(jìn)行了梳理。然后分析了大連口岸進(jìn)口凍肉市場(chǎng)現(xiàn)狀,發(fā)現(xiàn)凍肉進(jìn)口量逐年增加,但是市場(chǎng)缺口依然存在,且價(jià)格相比國內(nèi)肉品具有優(yōu)勢(shì),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(duì)進(jìn)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(duì)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(xiǎn)業(yè)務(wù),對(duì)客戶的幫助有限。針對(duì)以上現(xiàn)狀及問題,提出了以進(jìn)口凍肉為質(zhì)押物的融資授信方案。對(duì)授信客戶主體進(jìn)行了分層和篩選,如,授信客戶主體的實(shí)際控制人應(yīng)從事本行業(yè)3年以上,年度全年實(shí)際進(jìn)口額不低于400萬美元；進(jìn)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(chǔ)機(jī)構(gòu),制訂了質(zhì)押物保質(zhì)保價(jià)的倉單質(zhì)押方案和倉儲(chǔ)機(jī)構(gòu)保購、價(jià)格盯視等降低違約風(fēng)險(xiǎn)的風(fēng)險(xiǎn)緩釋措施。本研究意在緩解部分進(jìn)口凍肉企業(yè)的融資需求,幫助它們擴(kuò)大經(jīng)營規(guī)模；另外,銀行方面在增加利息收益的同時(shí),可減少對(duì)進(jìn)口凍肉企業(yè)授信的違約風(fēng)險(xiǎn)。
[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(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.4

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本文編號(hào)：2360636