本文關(guān)鍵詞：中小商業(yè)銀行應(yīng)收賬款融資模式研究　出處：《復(fù)旦大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：中小企業(yè)融資難是時(shí)下社會(huì)面臨的共同問(wèn)題,在中國(guó),中小企業(yè)融資難的重要原因是企業(yè)難以提供銀行信貸融資所必須的不動(dòng)產(chǎn)擔(dān)保品,典型的不動(dòng)產(chǎn)擔(dān)保品是房產(chǎn)。物權(quán)法體系中最活躍的研究領(lǐng)域是動(dòng)產(chǎn)擔(dān)保物權(quán),它與經(jīng)濟(jì)發(fā)展、制度創(chuàng)新以及經(jīng)濟(jì)結(jié)構(gòu)調(diào)整關(guān)系極為緊密,通過(guò)拓展有效擔(dān)保物的范圍如將應(yīng)收賬款作為有效擔(dān)保物,有助于解決中小企業(yè)融資困境。其他國(guó)家的經(jīng)驗(yàn)表明,動(dòng)產(chǎn)擔(dān)保融資,尤其是應(yīng)收賬款融資能夠提高金融市場(chǎng)的穩(wěn)定性,降低風(fēng)險(xiǎn)。隨著銀行競(jìng)爭(zhēng)的加劇,中小商業(yè)銀行逐漸將目光投向中小企業(yè),作為中小企業(yè)主要資產(chǎn)之一的應(yīng)收賬款融資需求旺盛,如何加快發(fā)展應(yīng)收賬款融資業(yè)務(wù)已經(jīng)成為中小商業(yè)銀行亟待研究的一項(xiàng)重要課題。本文致力于闡明應(yīng)收賬款融資業(yè)務(wù)的法律基礎(chǔ)和理論要點(diǎn),結(jié)合實(shí)務(wù),分析應(yīng)收賬款融資業(yè)務(wù)的風(fēng)險(xiǎn)和難點(diǎn),為中小商業(yè)銀行發(fā)展應(yīng)收賬款融資業(yè)務(wù)提出對(duì)策建議。 全文分三章。第一章應(yīng)收賬款融資概述介紹了應(yīng)收賬款的法律界定、適用范圍和業(yè)務(wù)功能。第二章應(yīng)收賬款融資業(yè)務(wù)在中小商業(yè)銀行的運(yùn)用和發(fā)展現(xiàn)狀重點(diǎn)回顧了國(guó)內(nèi)商業(yè)銀行應(yīng)收賬款融資業(yè)務(wù)的發(fā)展歷程、介紹了商業(yè)銀行現(xiàn)有應(yīng)收賬款融資產(chǎn)品模式和案例、風(fēng)險(xiǎn)分析和解讀應(yīng)收賬款融資業(yè)務(wù)發(fā)展中諸如業(yè)務(wù)品種單一、金融服務(wù)體系不健全、風(fēng)險(xiǎn)管理模式落后、與傳統(tǒng)業(yè)務(wù)難以脫離、信貸成本高等困境。第三章中小商業(yè)銀行發(fā)展應(yīng)收賬款融資業(yè)務(wù)的對(duì)策主要從立法先行、優(yōu)化風(fēng)險(xiǎn)管理、發(fā)展策略角度給出了研究者的建議。 本文在對(duì)商業(yè)銀行應(yīng)收賬款融資業(yè)務(wù)進(jìn)行剖析后,提供了某中小商業(yè)銀行創(chuàng)新開(kāi)展的兩種應(yīng)收賬款融資業(yè)務(wù)模式,充分展現(xiàn)了中小商業(yè)銀行經(jīng)營(yíng)思維的活躍、實(shí)現(xiàn)創(chuàng)新驅(qū)動(dòng)和轉(zhuǎn)型發(fā)展的決心和行動(dòng),與全行業(yè)共同探討和研究應(yīng)收賬款融資業(yè)務(wù)的發(fā)展。
[Abstract]:The difficulty of financing for SMEs is a common problem facing the society nowadays. In China, the main reason for the difficulty of financing for SMEs is that it is difficult for enterprises to provide real estate collateral necessary for bank credit financing. The most active research field in the real right law system is the real estate security right, which is closely related to the economic development, system innovation and economic structure adjustment. By expanding the scope of effective collateral, such as taking accounts receivable as effective collateral, it is helpful to solve the financing dilemma of SMEs. The experience of other countries shows that the secured financing of movable property. Especially accounts receivable financing can improve the stability of the financial market and reduce the risk. With the intensification of bank competition, small and medium-sized commercial banks gradually turn their attention to small and medium-sized enterprises. As one of the main assets of small and medium-sized enterprises, the demand of accounts receivable financing is exuberant. How to speed up the development of accounts receivable financing business has become an important issue for small and medium-sized commercial banks to study. This paper is devoted to clarify the legal basis and theoretical points of accounts receivable financing business combined with practice. This paper analyzes the risks and difficulties of accounts receivable financing, and puts forward countermeasures and suggestions for the development of accounts receivable financing business in small and medium-sized commercial banks. This paper is divided into three chapters. The first chapter introduces the legal definition of accounts receivable. The second chapter focuses on the application and development of accounts receivable financing business in small and medium-sized commercial banks and reviews the development process of domestic commercial banks' accounts receivable financing business. This paper introduces the current commercial bank accounts receivable financing products and cases, risk analysis and interpretation of accounts receivable financing business development, such as a single business, financial service system is not perfect, risk management model behind. It is difficult to break away from the traditional business and high credit costs. Chapter III small and medium-sized commercial banks to develop accounts receivable financing business countermeasures mainly from legislation to optimize risk management. Some suggestions are given from the perspective of development strategy. After analyzing the accounts receivable financing business of commercial banks, this paper provides two kinds of innovative business models of accounts receivable financing for a small and medium-sized commercial bank, which fully demonstrates the active business thinking of small and medium-sized commercial banks. To achieve innovation-driven and transformational development of the determination and action, with the whole industry to explore and study the development of accounts receivable financing business.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F275;F832.51

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