本文選題：商業(yè)保理　切入點(diǎn)：風(fēng)險(xiǎn)管理　出處：《北京交通大學(xué)》2017年碩士論文

【摘要】：由于經(jīng)濟(jì)的飛速發(fā)展,社會(huì)對(duì)于商品的需求有所下降,賒銷(xiāo)問(wèn)題逐漸凸顯出來(lái),尤其是對(duì)于中小企業(yè),他們的資金流通機(jī)制不夠完備,因此對(duì)于外部的競(jìng)爭(zhēng)環(huán)境的應(yīng)變能力較差,賒銷(xiāo)難以?xún)冬F(xiàn)將成為滯后其發(fā)展的重要原因。在這一情況下,中小企業(yè)對(duì)于銀行貸款有著極高的依賴(lài),但是其自身?xiàng)l件限制了銀行對(duì)其的貸款,使得商業(yè)保理的具有較多客戶(hù)保證,發(fā)展空間較大。在2016年的政府工作會(huì)議上,李克強(qiáng)提出了我國(guó)未來(lái)的保理行業(yè)應(yīng)該遵循的新規(guī)。本文主要是希望通過(guò)降低保理公司的業(yè)務(wù)風(fēng)險(xiǎn),促進(jìn)保理公司的健康發(fā)展,進(jìn)而為中小型公司的融資拓寬了渠道。這樣,我國(guó)的中小型企業(yè)就有了做大做強(qiáng)的資金保證,有利于我國(guó)市場(chǎng)經(jīng)濟(jì)體制的企業(yè)的有序發(fā)展,促進(jìn)我國(guó)整體經(jīng)濟(jì)實(shí)力的增長(zhǎng)。帶動(dòng)我國(guó)的經(jīng)濟(jì)進(jìn)步,增強(qiáng)我國(guó)企業(yè)在世界市場(chǎng)上的競(jìng)爭(zhēng)力。本文對(duì)文章的理論基礎(chǔ)進(jìn)行了闡述,包括商業(yè)保理的優(yōu)勢(shì)、風(fēng)險(xiǎn)管理理論,文章接著對(duì)H保理公司進(jìn)行介紹,包括H保理公司的介紹、業(yè)務(wù)流程描述、限制H保理業(yè)務(wù)開(kāi)展的主要因素等內(nèi)容。文章在第三四部分使用頭腦風(fēng)暴以及菲爾德法對(duì)H商業(yè)保理公司的風(fēng)險(xiǎn)進(jìn)行了識(shí)別,并使用層次分析法對(duì)商業(yè)保理業(yè)務(wù)風(fēng)險(xiǎn)進(jìn)行了評(píng)估,最后針對(duì)評(píng)估結(jié)果提出應(yīng)對(duì)措施,初步建立了H保理公司的風(fēng)險(xiǎn)防范體系,建立了初步的可供內(nèi)部使用的項(xiàng)目指標(biāo)評(píng)價(jià)表,并在一個(gè)項(xiàng)目進(jìn)行實(shí)際的驗(yàn)證,得到初步的可行驗(yàn)證確認(rèn)。
[Abstract]:Due to the rapid development of economy, the demand for commodities has declined, and the problem of credit sales has gradually become prominent. Especially for small and medium-sized enterprises, their capital circulation mechanism is not complete enough.Therefore, for the external competitive environment, the ability to adapt is poor, and the difficulty of credit sales will become an important reason for lagging behind its development.In this case, SMEs have a high degree of dependence on bank loans, but their own conditions limit the banks' loans to them, which makes commercial factoring have more customer guarantee and larger development space.At the 2016 government work conference, Li Keqiang proposed new rules for China's future factoring industry.This paper hopes to reduce the business risk of factoring companies, promote the healthy development of factoring companies, and then broaden the channels for the financing of small and medium-sized companies.In this way, the small and medium-sized enterprises of our country have the capital guarantee of becoming bigger and stronger, which is beneficial to the orderly development of the enterprises in the market economy system of our country, and promotes the growth of the whole economic strength of our country.Drive our country's economic progress, enhance our country's enterprises in the world market competitiveness.This article has carried on the elaboration to the article theory foundation, including the commercial factoring superiority, the risk management theory, the article then carries on the introduction to the H factoring company, including H factoring company's introduction, the business process description,Limiting H factoring business to carry out the main factors and so on.In the third and fourth part, we use brainstorming and field method to identify the risk of H commercial factoring company, and use AHP to evaluate the risk of commercial factoring business. Finally, some countermeasures are put forward to deal with the evaluation results.The risk prevention system of H factoring Company is established preliminarily, and a preliminary evaluation list of project indexes for internal use is established, and the actual verification is carried out in a project, and the preliminary feasible verification is obtained.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F272.3;F832.39

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 徐飛;陳卉;;商業(yè)保理市場(chǎng)增長(zhǎng)蓄勢(shì)待發(fā)[J];銀行家;2016年12期

2 錢(qián)桂根;;商業(yè)銀行融資租賃業(yè)務(wù)應(yīng)關(guān)注的法律風(fēng)險(xiǎn)[J];銀行家;2016年08期

3 胡志剛;;商業(yè)保理在供應(yīng)鏈管理中的角色和意義——基于H商業(yè)保理公司的商業(yè)實(shí)踐[J];中國(guó)總會(huì)計(jì)師;2016年07期

4 王超;;互聯(lián)網(wǎng)保理理財(cái)產(chǎn)品的法律分析與監(jiān)管應(yīng)對(duì)[J];西南金融;2016年08期

5 程佳聰;;我國(guó)國(guó)際保理業(yè)務(wù)發(fā)展中的問(wèn)題及提升路徑[J];對(duì)外經(jīng)貿(mào)實(shí)務(wù);2016年03期

6 蔣敏聰;;保理業(yè)務(wù)發(fā)展現(xiàn)狀及風(fēng)險(xiǎn)控制[J];財(cái)經(jīng)界(學(xué)術(shù)版);2015年22期

7 馬駿;;商業(yè)保理領(lǐng)域潛在風(fēng)險(xiǎn)與防范對(duì)策分析[J];財(cái)經(jīng)界(學(xué)術(shù)版);2015年20期

8 黃彩云;;我國(guó)商業(yè)銀行國(guó)際保理業(yè)務(wù)風(fēng)險(xiǎn)管理[J];現(xiàn)代商貿(mào)工業(yè);2015年20期

9 李宗和;徐德順;;中國(guó)國(guó)際保理業(yè)務(wù)的風(fēng)險(xiǎn)防控[J];國(guó)際經(jīng)濟(jì)合作;2015年09期

10 馮寧;;保理合同糾紛案件相關(guān)法律問(wèn)題分析[J];人民司法;2015年17期

，

本文編號(hào)：1705601