Xx銀行總府支行國(guó)內(nèi)保理業(yè)務(wù)的發(fā)展研究
發(fā)布時(shí)間：2018-09-11 20:32
【摘要】：保理是一項(xiàng)集融資、銷售分類賬管理、壞賬擔(dān)保,資信調(diào)查等功能為一體的整體性金融服務(wù)。保理業(yè)務(wù)在國(guó)際上的歷史非常之悠久,在1968年國(guó)際保理商聯(lián)合會(huì)就已經(jīng)成立,保理業(yè)務(wù)在國(guó)外發(fā)展迅速,但對(duì)于國(guó)內(nèi)銀行業(yè)來說,保理業(yè)務(wù)還屬于一種創(chuàng)新的金融產(chǎn)品。保理業(yè)務(wù)最早起源于18世紀(jì)的英國(guó),并在20世紀(jì)60年代的美國(guó)和西歐發(fā)展成型。作為一種新穎的貿(mào)易融資方式,保理業(yè)務(wù)在世界各國(guó)的國(guó)際貿(mào)易和國(guó)內(nèi)貿(mào)易中都得到了廣泛應(yīng)用。20世紀(jì)90年代中期以來,世界范圍提供保理服務(wù)的機(jī)構(gòu)和保理業(yè)務(wù)量得到突飛猛進(jìn)的發(fā)展,世界保理業(yè)呈現(xiàn)出一些新特點(diǎn)。我國(guó)保理業(yè)務(wù)起步于80年代,目前仍處在發(fā)展階段。由于國(guó)內(nèi)保理業(yè)務(wù)是一項(xiàng)新生的業(yè)務(wù),相關(guān)法律法規(guī)體系并不完善,并且我國(guó)企業(yè)信用體系還不完善,業(yè)務(wù)量難以迅速擴(kuò)大。研究保理業(yè)務(wù)對(duì)商業(yè)銀行的發(fā)展具有重要意義,主要表現(xiàn)在： (1)大力發(fā)展保理業(yè)務(wù)是商業(yè)銀行進(jìn)一步擴(kuò)大結(jié)算業(yè)務(wù)市場(chǎng)份額、增加中間業(yè)務(wù)收益的需要 (2)大力發(fā)展保理業(yè)務(wù)是進(jìn)一步發(fā)展中小企業(yè)客戶,擴(kuò)大商業(yè)銀行影響力的需要 (3)發(fā)展保理業(yè)務(wù)可以帶動(dòng)商業(yè)銀行其他金融產(chǎn)品的銷售 目前世界上有3個(gè)國(guó)際性保理組織,分別為國(guó)際保理商聯(lián)合會(huì)(FCI)、國(guó)際保理協(xié)會(huì)(IFG)和哈拉爾海外公司(HOC)。在全球保理市場(chǎng)中,歐洲、美洲和亞洲是最重要的保理市場(chǎng),其中作為保理兩個(gè)重要發(fā)源地的歐洲和美洲,保理市場(chǎng)發(fā)展已經(jīng)很成熟。澳洲保理市場(chǎng)規(guī)模相對(duì)較小,非洲受其經(jīng)濟(jì)發(fā)展水平的限制,保理業(yè)務(wù)的發(fā)展還非常的滯后。我國(guó)保理業(yè)務(wù)也處于發(fā)展階段。從事保理業(yè)務(wù)的主體主要是銀行,保理業(yè)務(wù)是銀行諸多中間業(yè)務(wù)之一。保理業(yè)務(wù)在我國(guó)經(jīng)過十幾年的發(fā)展雖然取得了一定進(jìn)步,但同國(guó)外發(fā)達(dá)國(guó)家,尤其是歐美國(guó)家相比,差距還很大。面對(duì)國(guó)外金融業(yè)的競(jìng)爭(zhēng),盡快提升保理業(yè)務(wù)水平,已經(jīng)成為國(guó)內(nèi)銀行的當(dāng)務(wù)之急。由于我國(guó)保理業(yè)務(wù)起步較晚,發(fā)展水平相對(duì)落后,要想在激勵(lì)的競(jìng)爭(zhēng)中占據(jù)有利的地位,我國(guó)商業(yè)銀行需要在產(chǎn)品創(chuàng)新,風(fēng)險(xiǎn)管理等方面不斷努力,學(xué)習(xí)國(guó)外先進(jìn)的管理經(jīng)驗(yàn),滿足各種客戶的差異化需求,提升自己的綜合競(jìng)爭(zhēng)能力。 我國(guó)商業(yè)銀行從事保理業(yè)務(wù)存在的問題表現(xiàn)在：保理業(yè)務(wù)涉及的融資標(biāo)準(zhǔn)必須服務(wù)于商業(yè)銀行發(fā)放貸款的要求。在信用風(fēng)險(xiǎn)管理方面,我國(guó)商業(yè)銀行缺乏現(xiàn)代化的風(fēng)險(xiǎn)管理工具和手段,片面注重抵押品,忽視對(duì)客戶的信用評(píng)估能力和資金流動(dòng)的監(jiān)控能力,不能為優(yōu)質(zhì)客戶提供足夠的非抵押的融資服務(wù),不能給予優(yōu)惠的利率定價(jià)。在產(chǎn)品種類方面,我國(guó)服務(wù)項(xiàng)目和種類有限,主要集中在為客戶提供融資和賬款托收方面。其他方面的服務(wù)則較少提供。在信用風(fēng)險(xiǎn)方面,我國(guó)商業(yè)銀行要獨(dú)自承擔(dān)可能出現(xiàn)的信用風(fēng)險(xiǎn),從而使風(fēng)險(xiǎn)成本增加。 本文通過對(duì)我國(guó)保理業(yè)務(wù)發(fā)展的外部環(huán)境、商業(yè)銀行的自身建設(shè)以及獨(dú)立保理商發(fā)展等方面的分析,闡述了XX銀行總府支行在應(yīng)用保理業(yè)務(wù)時(shí)在哪些方面,是何原因阻礙了保理業(yè)務(wù)的發(fā)展,研究這些深層次的原因,進(jìn)而提出了XX銀行總府支行進(jìn)一步發(fā)展保理業(yè)務(wù)的對(duì)策。 論文共分為五個(gè)部分分。第一部分為導(dǎo)論,介紹了論文的研究背景及目的,國(guó)內(nèi)外的研究現(xiàn)狀,論文的研究方法及創(chuàng)新之處。第二部分為保理業(yè)務(wù)在國(guó)內(nèi)外的發(fā)展概況,闡述了保理業(yè)務(wù)的含義、類型、業(yè)務(wù)流程以及作用,介紹了保理業(yè)務(wù)在國(guó)內(nèi)和國(guó)外的發(fā)展簡(jiǎn)況,通過國(guó)內(nèi)外的現(xiàn)狀對(duì)比,借鑒國(guó)外保理業(yè)務(wù)的先進(jìn)經(jīng)驗(yàn),提升我國(guó)保理業(yè)務(wù)的發(fā)展現(xiàn)狀。第三部分從我國(guó)保理業(yè)務(wù)發(fā)展歷程,我國(guó)商業(yè)銀行的現(xiàn)狀出發(fā),通過對(duì)外部環(huán)境和內(nèi)部環(huán)境的分析,找出我國(guó)保理業(yè)務(wù)發(fā)展中存在的問題。第四部分是對(duì)XX銀行總府支行發(fā)展保理業(yè)務(wù)的SWOT分析,通過優(yōu)勢(shì)與劣勢(shì)的對(duì)比分析,總結(jié)發(fā)展保理業(yè)務(wù)的必要性。第五部分提出XX銀行總府支行發(fā)展保理業(yè)務(wù)進(jìn)一步發(fā)展的對(duì)策,即改善保理業(yè)務(wù)發(fā)展的外部環(huán)境,加強(qiáng)商業(yè)銀行的自身建設(shè)以促進(jìn)保理業(yè)務(wù)的發(fā)展,積極探索豐富的保理業(yè)務(wù)類型,加大保理業(yè)務(wù)的宣傳力度。
[Abstract]:Factoring is an integrated financial service that integrates the functions of financing, sales ledger management, bad debt guarantee and credit investigation. Factoring has a long history in the world. It was established in 1968 by the International Federation of Factorors. Factoring business is developing rapidly abroad, but for domestic banking, factoring business is still a part of it. Factoring originated in Britain in the 18th century and developed in the United States and Western Europe in the 1960s. As a new form of trade financing, factoring has been widely used in international and domestic trade of all countries in the world. With the rapid development of factoring service institutions and factoring business, the world factoring industry has shown some new characteristics. China's factoring business started in the 1980s and is still in the development stage. The research on factoring is of great significance to the development of commercial banks.
(1) Developing factoring is the need for commercial banks to further expand the market share of settlement business and increase the income of intermediary business.
(2) vigorously developing factoring is the need to further develop SME customers and expand the influence of commercial banks.
(3) developing factoring business can drive the sale of other financial products of commercial banks.
At present, there are three international factoring organizations in the world, namely International Federation of Factorers (FCI), International Factoring Association (IFG) and Harald Overseas Company (HOC). In the global factoring market, Europe, America and Asia are the most important factoring markets, of which Europe and America are the two important cradles of factoring, the factoring market has developed very well. Australian factoring market is relatively small, Africa is restricted by its economic development level, the development of factoring business is still very backward. China's factoring business is also in the stage of development. However, some progress has been made, but compared with developed countries, especially European and American countries, there is still a big gap. Facing the competition of foreign financial industry, it has become an urgent task for domestic banks to upgrade factoring business as soon as possible. China's commercial banks need to make continuous efforts in product innovation, risk management and other aspects, learn from foreign advanced management experience, to meet the different needs of various customers, and enhance their comprehensive competitiveness.
The problems existing in factoring business of commercial banks in China are as follows: the financing standards involved in factoring business must serve the requirements of commercial banks in issuing loans. The monitoring ability of capital flow can not provide enough non-mortgaged financing services for high-quality customers, and can not give preferential interest rate pricing. In terms of product types, China's service items and types are limited, mainly focusing on providing financing and account collection for customers. Other services are less provided. In terms of credit risk, I China's commercial banks should bear the risk of credit risk alone, thereby increasing the risk cost.
Through the analysis of the external environment of factoring business development in China, the self-construction of commercial banks and the development of independent factoring companies, this paper expounds the aspects in which factoring business is applied and the reasons which hinder the development of factoring business in the general government branch of XX Bank, studies these deep-seated reasons, and puts forward the general bank of XX. Fu Branch's Countermeasures to further develop factoring business.
The paper is divided into five parts. The first part is the introduction, which introduces the research background and purpose of the paper, the research status at home and abroad, the research methods and innovations of the paper. The development of factoring in China and abroad is summarized. The development of factoring in China is promoted by comparing the current situation at home and abroad and drawing lessons from the advanced experience of factoring in foreign countries. The third part starts from the development of factoring in China and the current situation of commercial banks in China, and finds out the development of factoring in China by analyzing the external and internal environment. The fourth part is the SWOT analysis of the factoring business of the general government branch of XX Bank. Through the comparative analysis of the advantages and disadvantages, it summarizes the necessity of developing factoring business. The fifth part puts forward the Countermeasures for further development of factoring business of the general government branch of XX Bank, that is, to improve the external environment of factoring business development and strengthen business. The bank's own construction promotes the development of factoring business, actively explores the rich types of factoring business, and strengthens the publicity of factoring business.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2
本文編號(hào)：2237774
[Abstract]:Factoring is an integrated financial service that integrates the functions of financing, sales ledger management, bad debt guarantee and credit investigation. Factoring has a long history in the world. It was established in 1968 by the International Federation of Factorors. Factoring business is developing rapidly abroad, but for domestic banking, factoring business is still a part of it. Factoring originated in Britain in the 18th century and developed in the United States and Western Europe in the 1960s. As a new form of trade financing, factoring has been widely used in international and domestic trade of all countries in the world. With the rapid development of factoring service institutions and factoring business, the world factoring industry has shown some new characteristics. China's factoring business started in the 1980s and is still in the development stage. The research on factoring is of great significance to the development of commercial banks.
(1) Developing factoring is the need for commercial banks to further expand the market share of settlement business and increase the income of intermediary business.
(2) vigorously developing factoring is the need to further develop SME customers and expand the influence of commercial banks.
(3) developing factoring business can drive the sale of other financial products of commercial banks.
At present, there are three international factoring organizations in the world, namely International Federation of Factorers (FCI), International Factoring Association (IFG) and Harald Overseas Company (HOC). In the global factoring market, Europe, America and Asia are the most important factoring markets, of which Europe and America are the two important cradles of factoring, the factoring market has developed very well. Australian factoring market is relatively small, Africa is restricted by its economic development level, the development of factoring business is still very backward. China's factoring business is also in the stage of development. However, some progress has been made, but compared with developed countries, especially European and American countries, there is still a big gap. Facing the competition of foreign financial industry, it has become an urgent task for domestic banks to upgrade factoring business as soon as possible. China's commercial banks need to make continuous efforts in product innovation, risk management and other aspects, learn from foreign advanced management experience, to meet the different needs of various customers, and enhance their comprehensive competitiveness.
The problems existing in factoring business of commercial banks in China are as follows: the financing standards involved in factoring business must serve the requirements of commercial banks in issuing loans. The monitoring ability of capital flow can not provide enough non-mortgaged financing services for high-quality customers, and can not give preferential interest rate pricing. In terms of product types, China's service items and types are limited, mainly focusing on providing financing and account collection for customers. Other services are less provided. In terms of credit risk, I China's commercial banks should bear the risk of credit risk alone, thereby increasing the risk cost.
Through the analysis of the external environment of factoring business development in China, the self-construction of commercial banks and the development of independent factoring companies, this paper expounds the aspects in which factoring business is applied and the reasons which hinder the development of factoring business in the general government branch of XX Bank, studies these deep-seated reasons, and puts forward the general bank of XX. Fu Branch's Countermeasures to further develop factoring business.
The paper is divided into five parts. The first part is the introduction, which introduces the research background and purpose of the paper, the research status at home and abroad, the research methods and innovations of the paper. The development of factoring in China and abroad is summarized. The development of factoring in China is promoted by comparing the current situation at home and abroad and drawing lessons from the advanced experience of factoring in foreign countries. The third part starts from the development of factoring in China and the current situation of commercial banks in China, and finds out the development of factoring in China by analyzing the external and internal environment. The fourth part is the SWOT analysis of the factoring business of the general government branch of XX Bank. Through the comparative analysis of the advantages and disadvantages, it summarizes the necessity of developing factoring business. The fifth part puts forward the Countermeasures for further development of factoring business of the general government branch of XX Bank, that is, to improve the external environment of factoring business development and strengthen business. The bank's own construction promotes the development of factoring business, actively explores the rich types of factoring business, and strengthens the publicity of factoring business.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2
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