本文選題：信貸產(chǎn)品　切入點：船舶信貸　出處：《南京大學(xué)》2014年碩士論文

【摘要】：步入21世紀后,我國經(jīng)濟的快速發(fā)展促使船舶工業(yè)迅速成為支柱產(chǎn)業(yè),但是大量造船廠及船運公司資金周轉(zhuǎn)能力的相對不匹配導(dǎo)致其資金鏈失衡,在一定程度上限制了企業(yè)發(fā)展,而本文中船舶貸款產(chǎn)品的設(shè)計能有效緩解企業(yè)資金鏈失衡問題,從源頭上保障里下河地區(qū)船舶工業(yè)的平穩(wěn)發(fā)展。本文首先分析了國內(nèi)外信貸產(chǎn)品的研究現(xiàn)狀和我國船舶工業(yè)的宏觀環(huán)境,隨后整理了國內(nèi)船舶信貸產(chǎn)品的分類、構(gòu)成、特點及風險等,為我國船舶信貸產(chǎn)品的開發(fā)和優(yōu)化提供了啟示。此后通過調(diào)查問卷方式,隨機抽取泰州市海陵區(qū)和新區(qū)作為樣本調(diào)查船舶信貸產(chǎn)品的市場需求和實際情況,發(fā)現(xiàn)船舶信貸產(chǎn)品的需求、市場空間大,產(chǎn)品的實際使用不到位,產(chǎn)品種類單一,難以滿足船舶企業(yè)的需求,因此商業(yè)銀行有必要開發(fā)相應(yīng)的船舶信貸產(chǎn)品。文章以海選指標為研究基礎(chǔ),通過指標的打分,權(quán)重的計算,初步篩選出客戶需求相關(guān)度較高的指標,在此基礎(chǔ)上繼續(xù)篩選出點度最高的幾項指標作為銀行產(chǎn)品設(shè)計時的關(guān)鍵指標,同時利用上述關(guān)鍵指標設(shè)計初步的授信方案。然后以XX銀行為例,運用社會網(wǎng)絡(luò)分析法(SNA)等建立的關(guān)鍵指標為其優(yōu)化了一款船舶貸款產(chǎn)品,添補了該銀行此方面的空白。文章最后對商業(yè)銀行如何推行船舶信貸產(chǎn)品、業(yè)務(wù)及優(yōu)化產(chǎn)品提出了展望和建議。本文的目的在于通過提出關(guān)鍵指標分析進而開發(fā)、優(yōu)化商業(yè)銀行船舶信貸產(chǎn)品,在擴充商業(yè)銀行船舶信貸產(chǎn)品種類的基礎(chǔ)上,對商業(yè)銀行船舶信貸產(chǎn)品的創(chuàng)新設(shè)計起到引導(dǎo)和啟示作用。日后的研究可以致力于深入研究和開發(fā)商業(yè)銀行新的船舶信貸產(chǎn)品,同時也可以利用船舶信貸產(chǎn)品的業(yè)務(wù)數(shù)據(jù)對船舶信貸產(chǎn)品的運行效果進行更為深入的實證分析。
[Abstract]:After entering the 21st century, the rapid development of China's economy has prompted the shipbuilding industry to become a pillar industry, but the relative mismatch of the capital turnover capacity of a large number of shipyards and shipping companies leads to the imbalance of its capital chain. To a certain extent, the development of enterprises is restricted, and the design of ship loan products in this paper can effectively alleviate the imbalance of enterprise capital chain. Firstly, this paper analyzes the research status of domestic and foreign credit products and the macro environment of China's shipbuilding industry, and then collates the classification and composition of domestic ship credit products. The characteristics and risks provide enlightenment for the development and optimization of ship credit products in our country. After that, by means of questionnaire, we randomly select Hailing District and New area of Taizhou City as samples to investigate the market demand and actual situation of ship credit products. It is found that the demand for ship credit products has a large market space, the actual use of products is not in place, and the types of products are single, so it is difficult to meet the needs of shipping enterprises. Therefore, it is necessary for commercial banks to develop the corresponding ship credit products. On this basis, we continue to screen out several indicators with the highest vertices as the key indicators in the design of bank products, and at the same time, we use the above key indicators to design a preliminary credit scheme. Then taking XX Bank as an example, The key indexes established by the method of social network analysis (SNA) are used to optimize a ship loan product and fill the blank in this respect. Finally, the paper discusses how commercial banks carry out ship credit products. The purpose of this paper is to develop and optimize the ship credit products of commercial banks through the analysis of key indicators, and on the basis of expanding the types of ship credit products of commercial banks. It can guide and enlighten the innovative design of ship credit products of commercial banks. The future research can be devoted to the further research and development of new ship credit products of commercial banks. At the same time, we can use the business data of ship credit products to analyze the operation effect of ship credit products more deeply.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F426.474;F832.4

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本文編號：1671974