【摘要】：隨著金融市場和金融業(yè)務(wù)的不斷創(chuàng)新，供應(yīng)鏈金融業(yè)務(wù)也如火如荼的發(fā)展起來。供應(yīng)鏈金融業(yè)務(wù)不僅解決了中小企業(yè)資金缺乏的問題，也加強了核心供應(yīng)商對整個供應(yīng)鏈的把握，更為商業(yè)銀行批量開發(fā)客戶提供了便利、創(chuàng)造了新的利潤增長點。在供應(yīng)鏈交易中，處于強勢地位的供應(yīng)商旺旺要求零售商先款后貨，由于保兌倉融資模式能有效解決中小企業(yè)的預(yù)付款問題，文章選取保兌倉業(yè)務(wù)作為研究對象。 在保兌倉業(yè)務(wù)的發(fā)展過程中，也存在著一些問題制約其長期穩(wěn)定發(fā)展。一方面，供應(yīng)鏈金融系統(tǒng)的不協(xié)調(diào)會導(dǎo)致收益分配不合理；另一方面，商業(yè)銀行對保兌倉業(yè)務(wù)風險的評價缺乏有效的標準，導(dǎo)致逆向選擇和道德風險。 為了研究保兌倉的協(xié)調(diào)和商業(yè)銀行的風險評價，實現(xiàn)保兌倉業(yè)務(wù)的可持續(xù)發(fā)展，本文分別從收益共享契約、回購擔保和信用風險評價等方面進行了研究。論文的主要工作如下：首先，在總結(jié)供應(yīng)鏈金融的概念及其實踐發(fā)展的基礎(chǔ)上全面分析了保兌倉業(yè)務(wù)的適用對象和運作流程，并指出了保兌倉業(yè)務(wù)發(fā)展中存在的一些問題。其次，，研究分析了收益共享契約下保兌倉融資模式的協(xié)調(diào)及各參與方策略并與傳統(tǒng)貸款模式下對比。再次，進一步在供應(yīng)商回購的基礎(chǔ)上研究了供應(yīng)鏈的協(xié)調(diào)及各方參與策略。最后，針對保兌倉業(yè)務(wù)的信用風險評價，運用多級模糊評價法建立了保兌倉模式下信用風險評價體系，并用算例分析證明了以上體系的可操作性和適用性。
[Abstract]:With the continuous innovation of financial market and financial business, supply chain financial business is also in full swing. Supply chain financial business not only solves the problem of small and medium-sized enterprises' lack of funds, but also strengthens the core suppliers' grasp of the whole supply chain. It also provides convenience for commercial banks to develop customers in batches and creates a new profit growth point. In the supply chain transaction, Wangwang, a strong supplier, requires the retailer to pay first before goods. Because the confirmed warehouse financing mode can effectively solve the problem of small and medium-sized enterprises' advance payment, this paper selects confirmed warehouse business as the research object. There are also some problems in the development of confirmed warehouse business. On the one hand, the disharmony of the supply chain financial system leads to unreasonable distribution of income; on the other hand, the commercial banks' evaluation of the risk of confirmed positions lacks effective standards, which leads to adverse selection and moral hazard. In order to study the coordination of confirmed positions and the risk evaluation of commercial banks and realize the sustainable development of confirmed positions, this paper studies the income sharing contract, repurchase guarantee and credit risk evaluation respectively. The main work of this paper is as follows: firstly, on the basis of summarizing the concept of supply chain finance and its development in practice, this paper comprehensively analyzes the applicable object and operation process of the confirmed warehouse business, and points out some problems existing in the development of the confirmed warehouse business. Secondly, this paper analyzes the coordination of the confirmed position financing model under the revenue-sharing contract and the strategies of the participants and compares it with the traditional loan model. Thirdly, supply chain coordination and participation strategy are studied on the basis of supplier repurchase. Finally, for the credit risk evaluation of the confirmed warehouse business, a credit risk evaluation system under the confirmed warehouse model is established by using the multi-level fuzzy evaluation method, and the feasibility and applicability of the above system are proved by an example.
【學位授予單位】：重慶大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832;F274

【參考文獻】

相關(guān)期刊論文 前10條

1 胡躍飛;黃少卿;;供應(yīng)鏈金融:背景、創(chuàng)新與概念界定[J];財經(jīng)問題研究;2009年08期

2 楊晏忠;;論商業(yè)銀行供應(yīng)鏈金融的風險防范[J];金融論壇;2007年10期

3 李毅學;;基于金融系統(tǒng)工程的物流金融風險識別分析[J];華東經(jīng)濟管理;2011年10期

4 魯其輝;曾利飛;周偉華;;供應(yīng)鏈應(yīng)收賬款融資的決策分析與價值研究[J];管理科學學報;2012年05期

5 郭濤;中小企業(yè)融資的新渠道——應(yīng)收賬款融資[J];經(jīng)濟師;2005年02期

6 郭清馬;;供應(yīng)鏈金融模式及其風險管理研究[J];金融教學與研究;2010年02期

7 宋焱;李偉杰;;物流金融的發(fā)展模式與風險防范[J];金融與經(jīng)濟;2009年12期

8 熊熊;馬佳;趙文杰;王小琰;張今;;供應(yīng)鏈金融模式下的信用風險評價[J];南開管理評論;2009年04期

9 羅勇;陳治亞;;以動產(chǎn)質(zhì)押融資為例構(gòu)建供應(yīng)鏈金融風險評價指標體系[J];華東交通大學學報;2013年06期

10 李碧珍;融通倉:中小企業(yè)融資的新思路[J];商訊商業(yè)經(jīng)濟文薈;2005年03期

本文編號：2138973