本文選題：船舶融資 + 融資租賃　； 參考：《大連海事大學(xué)》2017年碩士論文

【摘要】：融資租賃業(yè)務(wù)起源于上世紀(jì)50年代的美國,近幾十年間,在世界范圍內(nèi)發(fā)展迅速,積極地推動了高科技產(chǎn)品、大型固定設(shè)備的發(fā)展。船舶融資租賃,兼有融資和融物的特征,具有明顯的優(yōu)勢。更是引起了航運公司的普遍重視,在一些中小航運企業(yè)中,這一業(yè)務(wù)模式顯得極其重要,因為這些企業(yè)規(guī)模、資金實力有限,所以融資租賃對于他們來說,顯得尤為適合。自2008年全球金融危機爆發(fā)后,航運市場陷入低谷,銀行業(yè)緊縮銀根,船舶融資難問題顯現(xiàn),使得航運企業(yè)在經(jīng)營過程中迫切需要解決現(xiàn)金流吃緊的問題。在這種背景下,融資租賃作為一種新的融資模式快速崛起。但是,由于船舶融資租賃業(yè)務(wù)存在較高的風(fēng)險性,船舶融資租賃機構(gòu)專業(yè)性不強,船舶融資租賃過程中信息存在不對稱等問題,不但會遇到如同一般融資經(jīng)營、經(jīng)濟(jì)、社會、自然等同樣的風(fēng)險,還會遇到船舶經(jīng)營中的特殊風(fēng)險,而這些風(fēng)險都因為船舶融資租賃的運作模式,而被承租人大部分的轉(zhuǎn)移到了出租人身上。因此,在一定程度上限制了船舶融資租賃業(yè)務(wù)的發(fā)展,如何有效的把控風(fēng)險,使得船舶融資租賃業(yè)務(wù)能夠安全、有效的快速崛起成為現(xiàn)在亟需解決的問題。本文首先選取船舶融資租賃業(yè)務(wù)為研究對象,對其融資模式和業(yè)務(wù)風(fēng)險管理進(jìn)行研究,進(jìn)而推動船舶融資租賃業(yè)務(wù)理論的深入;其次,從傳統(tǒng)的融資租賃理論研究起,運用案例分析、圖表分析等方法分析了銀行融資租賃業(yè)務(wù)的主要風(fēng)險及風(fēng)險把控,比如:信用風(fēng)險、法律風(fēng)險、操作風(fēng)險,借鑒分析了國內(nèi)外銀行船舶融資租賃業(yè)務(wù)風(fēng)險管理經(jīng)驗;再次,對A銀行船舶融資租賃業(yè)務(wù)發(fā)展現(xiàn)狀進(jìn)行分析,探究A銀行船舶租賃存在的風(fēng)險與問題;接著,對船舶融資租賃業(yè)務(wù)違約風(fēng)險進(jìn)行識別,并對違約風(fēng)險測度實例進(jìn)行分析,具體介紹了 VaR測度的計算方法,進(jìn)而進(jìn)行實證研究;最后,提出完善A銀行船舶融資租賃業(yè)務(wù)風(fēng)險管理的對策,如:進(jìn)行融資結(jié)構(gòu)設(shè)計中的風(fēng)險防范安排、融資條件中設(shè)置風(fēng)險防范要點、利用保險和融資租賃資產(chǎn)證券化,進(jìn)而降低風(fēng)險和進(jìn)行分險轉(zhuǎn)移。
[Abstract]:Financial leasing business originated in the United States in the 1950s. In recent decades, it has developed rapidly in the world and actively promoted the development of high-tech products and large fixed equipment. Ship financing lease, with the characteristics of both financing and financing, has obvious advantages. In some small and medium-sized shipping enterprises, this business model is extremely important, because these enterprises scale, capital strength is limited, so the financing lease is particularly suitable for them. Since the global financial crisis broke out in 2008, the shipping market has fallen into a trough, the banking industry is tight, and the problem of ship financing is difficult, which makes shipping enterprises urgently need to solve the problem of tight cash flow in the course of operation. In this context, the financing lease as a new financing model is rising rapidly. However, because of the high risk of ship finance lease business, the lack of specialization of ship finance leasing organization and the asymmetry of information in the process of ship financing lease, it will not only meet the problems of general financing management, economy, society, etc. The same risks, such as nature, also encounter special risks in ship operation, which are mostly transferred to the shipowner by the charterer because of the mode of operation of ship finance lease. Therefore, to a certain extent, it restricts the development of ship finance lease business, how to effectively control the risk, so that the ship finance lease business can be safe, effective and rapid rise has become a problem that needs to be solved. Firstly, this paper selects the ship finance lease business as the research object, studies its financing mode and business risk management, and then promotes the theory of ship finance lease business. Secondly, from the traditional financial lease theory research, Using the methods of case analysis and chart analysis, this paper analyzes the main risks and risk control of bank financial leasing business, such as: credit risk, legal risk, operational risk, etc. Based on the analysis of the domestic and foreign bank ship financing lease business risk management experience; thirdly, to analyze the current situation of bank A bank ship financing lease business development, to explore the risks and problems of bank A ship leasing business; then, Identify the default risk of ship financing lease business, and analyze the example of default risk measurement, introduce the calculation method of VaR measure, and carry on the empirical research; finally, The paper puts forward the countermeasures to perfect the risk management of Bank A's vessel finance lease business, such as: making the risk prevention arrangement in the financing structure design, setting up the risk guard key points in the financing condition, using the insurance and the finance lease asset securitization, Then reduce the risk and carry out the risk division transfer.
【學(xué)位授予單位】：大連海事大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F552.6;F832.49

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