【摘要】：就商業(yè)銀行來(lái)看,風(fēng)險(xiǎn)管理是其經(jīng)營(yíng)管理的核心。當(dāng)前金融改革和利率市場(chǎng)化進(jìn)程不斷深入加快,傳統(tǒng)利差在商業(yè)銀行內(nèi)不斷縮小,創(chuàng)新金融服務(wù)工具是適應(yīng)銀行自身發(fā)展需要的重要手段。在各類(lèi)金融創(chuàng)新中,供應(yīng)鏈提供了一條值得探索的路徑,通過(guò)從供應(yīng)鏈條上的核心企業(yè)出發(fā),商業(yè)銀行可以同時(shí)向整個(gè)鏈條上的企業(yè)提供全方位綜合金融服務(wù),有利于解決整個(gè)鏈條上資金周轉(zhuǎn)問(wèn)題,促進(jìn)資源整合,同時(shí)也為商業(yè)銀行的貸款、結(jié)算、資金管理、財(cái)務(wù)顧問(wèn)等綜合性金融業(yè)務(wù)帶來(lái)很大市場(chǎng)。當(dāng)前我國(guó)商業(yè)銀行紛紛推出供應(yīng)鏈融資服務(wù)、搶奪市場(chǎng)份額,J銀行憑借其在市場(chǎng)的優(yōu)勢(shì)地位、份額、專(zhuān)業(yè)技術(shù)等,也適時(shí)推出了自己的供應(yīng)鏈融資品牌,運(yùn)作模式也在不斷完善的過(guò)程中。對(duì)于處于起步階段供應(yīng)鏈融資的運(yùn)營(yíng)模式還沒(méi)有形成特別標(biāo)準(zhǔn)的操作流程,內(nèi)部管理尚不完善、授信管理存在漏洞以及外部環(huán)境有所欠缺等,均積聚了商業(yè)銀行在開(kāi)展供應(yīng)鏈融資業(yè)務(wù)中的風(fēng)險(xiǎn)。全文首先介紹供應(yīng)鏈融資風(fēng)險(xiǎn)管理的研究背景及意義,闡述相關(guān)已有研究成果及理論基礎(chǔ),直接呈現(xiàn)出論文的整體框架;然后對(duì)供應(yīng)鏈融資風(fēng)險(xiǎn)管理相關(guān)理論進(jìn)行概述,主要是以J銀行為例對(duì)其產(chǎn)品及流程開(kāi)展相關(guān)介紹,并描述風(fēng)險(xiǎn)管理現(xiàn)狀,分析不同的風(fēng)險(xiǎn)類(lèi)型、來(lái)源及造成風(fēng)險(xiǎn)的原因,以此為據(jù),反映現(xiàn)階段J銀行對(duì)運(yùn)作供應(yīng)鏈融資業(yè)務(wù)過(guò)程中的風(fēng)險(xiǎn)管理進(jìn)行優(yōu)化的必要性;緊接前文分析的基礎(chǔ)上,通過(guò)對(duì)供應(yīng)鏈融資業(yè)務(wù)風(fēng)險(xiǎn)管理現(xiàn)狀的分析,找出目前管理環(huán)節(jié)的問(wèn)題所在,最后對(duì)風(fēng)險(xiǎn)管理優(yōu)化提出建議。本文探討研究的創(chuàng)新之處首先在于研究豐富了供應(yīng)鏈理論在商業(yè)銀行領(lǐng)域的應(yīng)用,尤其是對(duì)J銀行相關(guān)業(yè)務(wù)的開(kāi)展有所裨益。其次本文從J銀行出發(fā),闡述其在供應(yīng)鏈融資這一新興產(chǎn)品運(yùn)營(yíng)過(guò)程中的風(fēng)險(xiǎn)管理,聚焦其模式特點(diǎn)造成風(fēng)險(xiǎn)的特征,文章通過(guò)風(fēng)險(xiǎn)事項(xiàng)找出不足,提出問(wèn)題并給出具體優(yōu)化建議,解決存在的缺陷。三是本文由特殊到一般,聚焦行業(yè)延伸出普遍借鑒意義。同時(shí)本文對(duì)同步解決中小企業(yè)融資難問(wèn)題和推動(dòng)商業(yè)銀行產(chǎn)品創(chuàng)新發(fā)展有積極作用。
[Abstract]:As far as commercial banks are concerned, risk management is the core of their management. At present, the process of financial reform and interest rate marketization is speeding up, and the traditional interest rate gap is shrinking in commercial banks. Innovation of financial service tools is an important means to meet the needs of banks' own development. Among all kinds of financial innovation, the supply chain provides a path worth exploring. By starting from the core enterprises in the supply chain, commercial banks can simultaneously provide comprehensive and comprehensive financial services to the enterprises in the whole chain. It is beneficial to solve the problem of capital turnover in the whole chain and promote the integration of resources. At the same time, it also brings a large market for the comprehensive financial business of commercial banks, such as loan, settlement, fund management, financial consultant and so on. At present, commercial banks in our country have launched supply chain financing services one after another to seize market share. Bank J has also launched its own supply chain financing brand at the right time by virtue of its dominant position, share and professional technology in the market. The mode of operation is also in the process of continuous improvement. For the operation mode of supply chain financing in the initial stage, there is no special standard operation flow, the internal management is not perfect, the credit management has loopholes and the external environment is lacking, etc. All accumulated the commercial banks in the development of supply chain financing business risk. Firstly, the paper introduces the research background and significance of supply chain financing risk management, expounds the related research results and theoretical basis, and presents the overall framework of the paper directly. Then it summarizes the relevant theories of supply chain financing risk management, mainly taking J Bank as an example to introduce its products and processes, and describes the current situation of risk management, analyzes different risk types, sources and causes of risk. According to this, it reflects the necessity of J Bank to optimize the risk management in the process of operation of supply chain financing business. On the basis of the previous analysis, through the analysis of the current situation of risk management in supply chain financing business, this paper finds out the problems in the current management links, and finally puts forward some suggestions for risk management optimization. The innovation of this paper is that the research enriches the application of supply chain theory in commercial banks, especially for the development of J bank related business. Secondly, starting from J Bank, this paper expounds the risk management in the process of supply chain financing, focusing on the characteristics of risk caused by the characteristics of its mode. Put forward problems and give specific optimization suggestions to solve the existing defects. Third, this article from special to general, focusing on the industry extends out of the general reference significance. At the same time, this paper plays a positive role in solving the financing difficulties of SMEs and promoting the innovation and development of commercial bank products.
【學(xué)位授予單位】：南京師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.4;F274

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 李浩;黃曉峰;;淺談我國(guó)商業(yè)銀行供應(yīng)鏈金融的主要問(wèn)題及相關(guān)建議[J];農(nóng)村金融研究;2014年05期

2 郭琪;彭江波;;“以存定貸”與中小企業(yè)信貸約束——山東省例證[J];金融研究;2012年12期

3 馮a，

本文編號(hào)：2302138