本文關(guān)鍵詞：農(nóng)業(yè)銀行的農(nóng)產(chǎn)品供應(yīng)鏈金融風(fēng)險(xiǎn)研究　出處：《南華大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：農(nóng)產(chǎn)品企業(yè)的融資渠道狹窄，供應(yīng)鏈上資金匱乏是限制農(nóng)業(yè)產(chǎn)業(yè)化規(guī)�；年P(guān)鍵性因素。農(nóng)產(chǎn)品供應(yīng)鏈上的貸款風(fēng)險(xiǎn)大利潤(rùn)小，而且大部分農(nóng)產(chǎn)品企業(yè)規(guī)模小，難以達(dá)到金融機(jī)構(gòu)融資門檻。供應(yīng)鏈金融業(yè)務(wù)是一種新型的短期貿(mào)易融資模式，能將貸款風(fēng)險(xiǎn)分擔(dān)于整條供應(yīng)鏈。銀行一方面不僅是與單個(gè)的企業(yè)合作，還和整個(gè)供應(yīng)鏈合作，可以更加全面、及時(shí)地掌握的各個(gè)環(huán)節(jié)的信息，加強(qiáng)對(duì)貿(mào)易的風(fēng)險(xiǎn)管控能力，減小信貸風(fēng)險(xiǎn)；另一方面可以向供應(yīng)鏈上相關(guān)企業(yè)提供綜合的供應(yīng)鏈金融服務(wù)，增加利潤(rùn)點(diǎn)，開(kāi)發(fā)農(nóng)業(yè)金融市場(chǎng)，鞏固與客戶的長(zhǎng)期戰(zhàn)略合作關(guān)系。 本文通過(guò)分析農(nóng)業(yè)銀行已有的業(yè)務(wù)特點(diǎn)，以及各類農(nóng)產(chǎn)品供應(yīng)鏈金融的適應(yīng)性問(wèn)題和風(fēng)險(xiǎn)特征，，運(yùn)用證據(jù)理論與Delphi方法構(gòu)建農(nóng)行的針對(duì)農(nóng)產(chǎn)品供應(yīng)鏈金融的風(fēng)險(xiǎn)評(píng)估模型，主要內(nèi)容及創(chuàng)新點(diǎn)有三：1、根據(jù)農(nóng)產(chǎn)品供應(yīng)鏈運(yùn)營(yíng)特征及供應(yīng)鏈金融運(yùn)作機(jī)制構(gòu)造金融風(fēng)險(xiǎn)評(píng)估指標(biāo)體系，分為生產(chǎn)環(huán)節(jié)、加工環(huán)節(jié)、銷售環(huán)節(jié)、供應(yīng)鏈整體協(xié)作情況、擔(dān)保物五個(gè)大類；2、利用證據(jù)理論處理不確定性信息推理的優(yōu)勢(shì)建立評(píng)估計(jì)算模型，并利用折扣率將指標(biāo)權(quán)重融入證據(jù)理論合成規(guī)則中，改進(jìn)其將證據(jù)重要性同等對(duì)待的局限；3、根據(jù)農(nóng)產(chǎn)品供應(yīng)鏈運(yùn)作差異對(duì)農(nóng)產(chǎn)品供應(yīng)鏈金融制定了12個(gè)類別，并針對(duì)其風(fēng)險(xiǎn)評(píng)估指標(biāo)制定了相應(yīng)的權(quán)重矩陣。最后引入實(shí)例驗(yàn)證了此風(fēng)險(xiǎn)評(píng)估模型的有效性，并針對(duì)農(nóng)行開(kāi)展農(nóng)產(chǎn)品供應(yīng)鏈金融業(yè)務(wù)服務(wù)提出了一系列對(duì)策與建議。
[Abstract]:Agricultural products enterprises on the supply chain financing channel is narrow, lack of funds is the key factor limiting the scale of agricultural industrialization. The agricultural products supply chain on the loan risk profit is small, and most agricultural products of small scale, difficult to reach the threshold for financing of financial institutions. Financial services supply chain is a new financing model for short term trade credit risk can be shared in the whole supply chain. On the one hand is to cooperate with the bank not only individual enterprises, and also the whole supply chain, each link can be more comprehensive, timely grasp of the information, to strengthen trade risk control ability, reduce the credit risk; on the other hand can provide the service of supply chain financial integrated supply chain to the relevant enterprises, increase profits, the development of agricultural financial market, consolidate the long-term strategic partnership with clients.
In this paper, through analyzing the business characteristic of Agricultural Bank has, and all kinds of agricultural products supply chain financial adaptability and risk characteristics, risk assessment for agricultural products supply chain finance model construction bank using evidence theory and Delphi method, the main contents and innovations are three: 1, according to the operating characteristics of the agricultural products supply chain and supply chain the financial structure of the operation mechanism of financial risk evaluation index system is divided into production, processing, sales, supply chain coordination, guarantee five categories; 2, using the evidence theory of uncertainty reasoning information advantage to establish evaluation model, and use the discount rate of the index weight into the combination rules of evidence theory in the improvement of the importance of evidence equally limited; 3, according to the agricultural products supply chain operation difference has developed 12 categories of agricultural products supply chain finance, and The weight matrix is worked out for its risk assessment index. Finally, an example is introduced to verify the effectiveness of the risk assessment model, and a series of countermeasures and suggestions are put forward for Agricultural Bank to develop agricultural products supply chain financial business service.

【學(xué)位授予單位】：南華大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F326

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