中國銀行S分行供應(yīng)鏈融資業(yè)務(wù)風險管理研究
發(fā)布時間：2018-09-03 16:37
【摘要】：商業(yè)銀行是經(jīng)營風險的主體,其經(jīng)營的本質(zhì)在于債權(quán)以及債權(quán)的實現(xiàn)。商業(yè)銀行的發(fā)展必然不能脫離實體經(jīng)濟的要求,具體表現(xiàn)在企業(yè)組織形式的發(fā)展、行為模式的變革以及交易方式的轉(zhuǎn)變。隨著企業(yè)組織行為模式的轉(zhuǎn)變,供應(yīng)鏈管理在近二十年中得到高度的重視,并迅速地發(fā)展起來。大型企業(yè)開始逐漸認識到穩(wěn)定的供應(yīng)鏈能夠產(chǎn)生價值,即價值鏈的存在。市場競爭已經(jīng)從微觀企業(yè)之間的競爭演化為供應(yīng)鏈的競爭,供應(yīng)鏈的管理以及供應(yīng)鏈的風險管理已經(jīng)成為大型企業(yè)采用并不斷完善的管理手段。伴隨市場模式的轉(zhuǎn)變,供應(yīng)鏈融資也成為了新型的融資方式,不僅能夠幫助處于供應(yīng)鏈上下游的企業(yè)緩解資金壓力,還能夠使銀行批量式營銷客戶,產(chǎn)生業(yè)績,因此商業(yè)銀行也逐漸參與到供應(yīng)鏈這條價值鏈當中,并且扮演了重要的角色。金融機構(gòu)的參與無疑增加了供應(yīng)鏈的穩(wěn)定性并提高了核心企業(yè)資源整合的能力,對經(jīng)濟的發(fā)展提供了巨大的支持。新生事物總會出現(xiàn)讓人始料未及的情況,經(jīng)濟下滑、市場轉(zhuǎn)向、需求改變等等風險事件也在供應(yīng)鏈發(fā)展中逐步暴露出來,對供應(yīng)鏈以及供應(yīng)鏈融資提出了挑戰(zhàn)。我國供應(yīng)鏈融資較歐美國家開展較晚,卻也經(jīng)歷了西方國家所出現(xiàn)過的風險管理問題。商業(yè)銀行近幾年供應(yīng)鏈融資業(yè)務(wù)發(fā)展迅速,但違約事件出現(xiàn)的頻率也越來越高,企業(yè)申請融資的難度越來越大,供應(yīng)鏈斷裂的事件增多,使得供應(yīng)鏈融資中的違約風險越來越高。因此,研究商業(yè)銀行對供應(yīng)鏈融資的風險管理,保障商業(yè)銀行資金安全成為了商業(yè)銀行中十分重要的研究領(lǐng)域。中國銀行作為四大國有銀行,也是國際化水平最高的銀行,分支機構(gòu)遍布全球,在全球化的供應(yīng)鏈融資業(yè)務(wù)中有著較為明顯的優(yōu)勢,因此,其在供應(yīng)鏈融資業(yè)務(wù)發(fā)展過程中暴露出來的問題更值得探討與分析,以便于其今后在全球范圍內(nèi)更好的提供供應(yīng)鏈融資服務(wù)。本文首先對供應(yīng)鏈及供應(yīng)鏈融資的發(fā)展演化進行介紹分析,重點對國內(nèi)外特別是西方供應(yīng)鏈融資管理的發(fā)展現(xiàn)狀以及主流理論進行剖析和理解,介紹了歐美國家較為先進的供應(yīng)鏈融資管理手段,并對供應(yīng)鏈融資存在的風險及特征進行分析,同時,結(jié)合自身工作,以中國銀行S分行為例,對其當前的供應(yīng)鏈融資發(fā)展情況以及風險管理架構(gòu)進行了介紹,并利用現(xiàn)實的案例分析,試圖對中國銀行現(xiàn)有的供應(yīng)鏈融資模式中存在的風險及問題進行解析。通過對現(xiàn)有模式下供應(yīng)鏈融資出現(xiàn)的問題,歸納總結(jié)提出建議:主要從完善風險管理組織結(jié)構(gòu)、優(yōu)化供應(yīng)鏈融資風險管理流程、豐富供應(yīng)鏈融資風險管理手段以及建立有效的信貸風險預(yù)警系統(tǒng)等方面改進供應(yīng)鏈融資的風險管理。
[Abstract]:Commercial bank is the main body of management risk, the essence of its management lies in creditor's rights and the realization of creditor's rights. The development of commercial banks must not be divorced from the requirements of the real economy, which is embodied in the development of the organizational form of enterprises, the transformation of the behavior mode and the transformation of the transaction mode. With the change of organizational behavior mode, supply chain management (SCM) has been attached great importance in the past twenty years and developed rapidly. Large enterprises begin to realize that a stable supply chain can produce value, that is, the existence of value chain. Market competition has evolved from competition among micro enterprises to supply chain competition. Supply chain management and supply chain risk management have been adopted and continuously improved by large enterprises. With the change of market mode, supply chain financing has become a new financing method, which can not only help the enterprises in the upstream and downstream of the supply chain alleviate the financial pressure, but also enable the banks to market customers in batches and produce performance. Therefore, commercial banks gradually participate in the supply chain value chain and play an important role. The participation of financial institutions has undoubtedly increased the stability of supply chain and enhanced the ability of resource integration of core enterprises, which has provided enormous support for the development of economy. New things always appear unexpected situation, economic decline, market turn, change of demand and other risk events are gradually exposed in the development of supply chain, the supply chain and supply chain financing challenges. Supply chain financing in China is later than that in Europe and America, but it has also experienced the risk management problems in western countries. In recent years, the supply chain financing business of commercial banks has developed rapidly, but the frequency of default incidents is also becoming higher and higher, the difficulty of enterprises applying for financing is becoming more and more difficult, and the incidents of supply chain breakage are increasing. It makes the default risk of supply chain financing higher and higher. Therefore, the research on the risk management of the supply chain financing and the guarantee of the security of the commercial bank funds has become a very important research field in the commercial banks. As the four largest state-owned banks, Bank of China is also the most internationalized bank with branches all over the world. It has obvious advantages in the global supply chain financing business. The problems exposed in the development of supply chain financing business are more worthy of discussion and analysis in order to provide better supply chain financing services in the world in the future. This paper first introduces and analyzes the development and evolution of supply chain and supply chain financing, focusing on the analysis and understanding of the current situation and mainstream theories of supply chain financing management at home and abroad, especially in the west. This paper introduces the advanced means of supply chain financing management in Europe and America, and analyzes the risks and characteristics of supply chain financing. At the same time, taking the S branch of Bank of China as an example, This paper introduces the current development of supply chain financing and its risk management framework, and attempts to analyze the risks and problems existing in the current supply chain financing model of Bank of China by using a practical case study. Through the existing supply chain financing problems, summarized and put forward suggestions: mainly from the improvement of risk management organizational structure, optimize the supply chain financing risk management process, Enrich the means of supply chain financing risk management and establish an effective credit risk warning system to improve supply chain financing risk management.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33
本文編號：2220554
[Abstract]:Commercial bank is the main body of management risk, the essence of its management lies in creditor's rights and the realization of creditor's rights. The development of commercial banks must not be divorced from the requirements of the real economy, which is embodied in the development of the organizational form of enterprises, the transformation of the behavior mode and the transformation of the transaction mode. With the change of organizational behavior mode, supply chain management (SCM) has been attached great importance in the past twenty years and developed rapidly. Large enterprises begin to realize that a stable supply chain can produce value, that is, the existence of value chain. Market competition has evolved from competition among micro enterprises to supply chain competition. Supply chain management and supply chain risk management have been adopted and continuously improved by large enterprises. With the change of market mode, supply chain financing has become a new financing method, which can not only help the enterprises in the upstream and downstream of the supply chain alleviate the financial pressure, but also enable the banks to market customers in batches and produce performance. Therefore, commercial banks gradually participate in the supply chain value chain and play an important role. The participation of financial institutions has undoubtedly increased the stability of supply chain and enhanced the ability of resource integration of core enterprises, which has provided enormous support for the development of economy. New things always appear unexpected situation, economic decline, market turn, change of demand and other risk events are gradually exposed in the development of supply chain, the supply chain and supply chain financing challenges. Supply chain financing in China is later than that in Europe and America, but it has also experienced the risk management problems in western countries. In recent years, the supply chain financing business of commercial banks has developed rapidly, but the frequency of default incidents is also becoming higher and higher, the difficulty of enterprises applying for financing is becoming more and more difficult, and the incidents of supply chain breakage are increasing. It makes the default risk of supply chain financing higher and higher. Therefore, the research on the risk management of the supply chain financing and the guarantee of the security of the commercial bank funds has become a very important research field in the commercial banks. As the four largest state-owned banks, Bank of China is also the most internationalized bank with branches all over the world. It has obvious advantages in the global supply chain financing business. The problems exposed in the development of supply chain financing business are more worthy of discussion and analysis in order to provide better supply chain financing services in the world in the future. This paper first introduces and analyzes the development and evolution of supply chain and supply chain financing, focusing on the analysis and understanding of the current situation and mainstream theories of supply chain financing management at home and abroad, especially in the west. This paper introduces the advanced means of supply chain financing management in Europe and America, and analyzes the risks and characteristics of supply chain financing. At the same time, taking the S branch of Bank of China as an example, This paper introduces the current development of supply chain financing and its risk management framework, and attempts to analyze the risks and problems existing in the current supply chain financing model of Bank of China by using a practical case study. Through the existing supply chain financing problems, summarized and put forward suggestions: mainly from the improvement of risk management organizational structure, optimize the supply chain financing risk management process, Enrich the means of supply chain financing risk management and establish an effective credit risk warning system to improve supply chain financing risk management.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33
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