本文關(guān)鍵詞： 汽車(chē)零配件企業(yè) 供應(yīng)鏈金融 信用風(fēng)險(xiǎn)評(píng)價(jià)　出處：《江西理工大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：汽車(chē)產(chǎn)業(yè),是我國(guó)國(guó)民經(jīng)濟(jì)結(jié)構(gòu)中的重要組成部分,已經(jīng)發(fā)展成為我國(guó)國(guó)民經(jīng)濟(jì)的支柱性產(chǎn)業(yè)。汽車(chē)產(chǎn)業(yè)的發(fā)展水平,是衡量大國(guó)裝備制造業(yè)整體發(fā)展水平的重要標(biāo)志。汽車(chē)產(chǎn)業(yè)鏈的上游是汽車(chē)零配件企業(yè),其發(fā)展?fàn)顩r制約著整個(gè)汽車(chē)產(chǎn)業(yè)的向前發(fā)展。在轉(zhuǎn)變國(guó)民經(jīng)濟(jì)發(fā)展方式和國(guó)際競(jìng)爭(zhēng)日益激烈的大背景下,汽車(chē)零配件企業(yè)向前發(fā)展,因受到諸多阻礙而困難千重。在阻礙其發(fā)展的眾多因素之中,資金困境始終是難以繞開(kāi)的一個(gè)癥結(jié)。除規(guī)模較小和自身原始積累不足之外,更重要的原因在于金融服務(wù)體制的不完善,特別是在銀行傳統(tǒng)信貸制度下,由于汽車(chē)零配件企業(yè)缺乏可供抵押擔(dān)保的不動(dòng)產(chǎn),其可授信額度微乎其微。近年來(lái),供應(yīng)鏈金融服務(wù)方案發(fā)展迅速,成為解決汽車(chē)零配件企業(yè)融資困境的成功創(chuàng)新。在供應(yīng)鏈金融創(chuàng)新方案中,涉及的一個(gè)重要問(wèn)題便是供應(yīng)鏈金融模式下的信用風(fēng)險(xiǎn)評(píng)價(jià)。正確的信用風(fēng)險(xiǎn)評(píng)價(jià),對(duì)于銀行安全開(kāi)展供應(yīng)鏈金融業(yè)務(wù)至關(guān)重要。因此,本文以商業(yè)銀行開(kāi)展汽車(chē)零配件企業(yè)供應(yīng)鏈金融業(yè)務(wù)的信用風(fēng)險(xiǎn)為研究對(duì)象,使用文獻(xiàn)研究、定性分析和實(shí)證研究等方法,擬建立基于供應(yīng)鏈金融的汽車(chē)零配件企業(yè)信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系和評(píng)價(jià)模型,為商業(yè)銀行正確評(píng)價(jià)其信用風(fēng)險(xiǎn)提供有益借鑒。首先,論文梳理了供應(yīng)鏈金融及其信用風(fēng)險(xiǎn)評(píng)價(jià)方面的研究文獻(xiàn),說(shuō)明了國(guó)內(nèi)外的研究現(xiàn)狀;其次,闡述了供應(yīng)鏈金融信用風(fēng)險(xiǎn)相關(guān)理論,奠定了信用風(fēng)險(xiǎn)評(píng)價(jià)的理論基礎(chǔ);再次,通過(guò)對(duì)汽車(chē)供應(yīng)鏈及其特點(diǎn)的分析,歸納總結(jié)出了汽車(chē)零配件企業(yè)供應(yīng)鏈金融信用風(fēng)險(xiǎn)的主要影響因素,在此基礎(chǔ)上,建立了基于供應(yīng)鏈金融的汽車(chē)零配件企業(yè)信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系;進(jìn)而,通過(guò)比較主要信用風(fēng)險(xiǎn)評(píng)價(jià)方法的優(yōu)劣性之后,選擇了論文適用的評(píng)價(jià)方法,在選取樣本和收集、整理樣本數(shù)據(jù)的基礎(chǔ)上,運(yùn)用主成分分析和Logistic回歸分析方法,建立了基于供應(yīng)鏈金融的汽車(chē)零配件企業(yè)信用風(fēng)險(xiǎn)評(píng)價(jià)模型。最后,以贛州某汽車(chē)零配件企業(yè)為例,通過(guò)對(duì)其在供應(yīng)鏈金融模式和傳統(tǒng)信貸模式下守約概率的比較,得到供應(yīng)鏈金融模式下其守約概率更高的結(jié)論,揭示了供應(yīng)鏈金融能夠增強(qiáng)汽車(chē)零配件企業(yè)的信用,有利于解決汽車(chē)零配件企業(yè)融資難的問(wèn)題,以及供應(yīng)鏈金融模式下的信用風(fēng)險(xiǎn)評(píng)價(jià)模型能夠更加全面、準(zhǔn)確地評(píng)價(jià)汽車(chē)零配件企業(yè)的真實(shí)信用風(fēng)險(xiǎn),為商業(yè)銀行正確評(píng)價(jià)其信用風(fēng)險(xiǎn)提供有益借鑒。
[Abstract]:Automobile industry, which is an important part of the national economic structure of our country, has developed into the pillar industry of our national economy and the level of development of automobile industry. It is an important symbol to measure the overall development level of equipment manufacturing industry in big country. The upstream of automobile industry chain is automobile spare parts enterprise. Its development condition restricts the whole automobile industry forward development. Under the background of changing the mode of national economy development and the increasingly fierce international competition, the automobile spare parts enterprises develop forward. It is difficult because of many obstacles. Among the many factors hindering its development, it is always difficult to avoid the problem of capital predicament, except for its small scale and its own primitive accumulation. The more important reason lies in the imperfect financial service system, especially in the bank traditional credit system, because the automobile spare parts enterprise lacks the real estate which can provide the mortgage guarantee, its credit line is very small in recent years. The scheme of supply chain financial service has developed rapidly and has become a successful innovation to solve the financing dilemma of auto parts enterprises. An important issue involved is the credit risk evaluation under the supply chain finance model. The correct credit risk evaluation is very important for banks to carry out the supply chain financial business safely. This paper takes the credit risk of the supply chain finance business of the automobile spare parts enterprise as the research object, uses the literature research, the qualitative analysis and the empirical research and so on. This paper intends to establish the credit risk evaluation index system and evaluation model of automobile spare parts enterprises based on supply chain finance to provide a useful reference for commercial banks to correctly evaluate their credit risk. This paper reviews the literature on supply chain finance and its credit risk evaluation, and explains the current research situation at home and abroad. Secondly, the related theories of credit risk in supply chain finance are expounded, and the theoretical basis of credit risk evaluation is established. Thirdly, through the analysis of the automobile supply chain and its characteristics, the paper summarizes the main influencing factors of the financial credit risk of automobile spare parts enterprise supply chain, and on this basis. The credit risk evaluation index system of automobile spare parts enterprises based on supply chain finance is established. Then, after comparing the advantages and disadvantages of the main credit risk evaluation methods, the paper selects the suitable evaluation methods, on the basis of selecting samples and collecting, collating the sample data. Based on the principal component analysis and Logistic regression analysis, the credit risk evaluation model of automobile parts enterprises based on supply chain finance is established. Finally, an automobile parts enterprise in Ganzhou is taken as an example. By comparing the contract keeping probability between the supply chain finance model and the traditional credit model, the conclusion that the contract keeping probability is higher under the supply chain finance model is obtained. It is revealed that supply chain finance can enhance the credit of auto parts enterprises, which is helpful to solve the financing problem of auto parts enterprises, and the credit risk evaluation model under the supply chain finance model can be more comprehensive. To evaluate the true credit risk of automobile spare parts enterprise accurately, to provide useful reference for commercial bank to evaluate its credit risk correctly.
【學(xué)位授予單位】：江西理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F274;F426.471

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