中信银行汽车供应链金融模式研究

发布时间：2018-03-02 20:07

本文选题：中信银行　切入点：汽车供应链金融　出处：《河北金融学院》2017年硕士论文　论文类型：学位论文

【摘要】：2017年中国已经成为世界上最大的汽车生产和消费市场,汽车产业发展迅速。但是处于汽车产业链下游的中小汽车经销商由于财务报表不健全、规模实力弱小、缺乏可抵押资产,在传统的授信模式下很难获得银行融资。供应链金融是指银行围绕核心企业,管理上下游中小企业的信息流、资金流和物流,为产业链上下游企业提供金融产品和服务的一种新型融资模式。汽车行业供应链金融是比较典型的供应链金融模式。目前我国商业银行汽车供应链金融业务发展速度较快,有效解决了中小汽车经销商融资难题,使核心厂家也能扩大汽车生产规模,拓展销售渠道,辐射更多区域市场,促进供应链的良性运转,推动汽车行业的发展。中信银行的汽车供应链融资品牌知名度高,侧重于对汽车供应链下游的经销商提供融资,对银行来讲能拓展客户,增加利润来源。本文介绍了中信银行汽车供应链融资业务发展现状,对中信银行汽车供应链融资的几种常用模式预付款融资模式、汽车合格证质押融资模式、动产抵质押授信模式操作流程进行了介绍,通过案例分析方法主要介绍了中信银行为华淮汽车贸易有限公司提供的供应链金融融资服务方案。基于中信银行为汽车经销商提供的汽车供应链融资的案例,本人就汽车供应链融资业务潜在的风险从汽车经销商、核心厂家、监管合作方存在的信用风险、法律风险、环境风险这三个方面进行了总结。从银行加强对汽车经销商、核心厂家、监管合作方的监管力度提出信用风险控制的对策建议。具体说来,银行应加强对汽车经销商的监管力度,构建对汽车经销商的融资体系、加强汽车库存监管、筛选汽车经销商二级网点;银行应加强对合作监管方的监管力度,严格合作监管方准入、对仓库进行分类管理、要求监管方出具保证金;中信银行建立健全征信法律体系;完善内控体系,培养汽车供应链金融专业人才,控制外部市场风险。
[Abstract]:In 2017, China has become the world's largest auto production and consumption market, and the automobile industry has developed rapidly. But small and medium-sized automobile dealers downstream of the automobile industry chain lack mortgage assets due to their poor financial statements and weak scale. In the traditional credit mode, it is difficult to obtain bank financing. Supply chain finance refers to the information flow, capital flow and logistics of SMEs in the upper and lower reaches of the bank around the core enterprises. The automobile industry supply chain finance is a typical supply chain finance mode. At present, the automobile supply chain finance business of our country commercial bank develops more quickly. Effectively solve the financing problem of small and medium-sized car dealers, so that the core manufacturers can also expand the scale of automobile production, expand sales channels, radiation more regional markets, and promote the healthy operation of supply chain. Promote the development of the automobile industry. Citic Bank's automobile supply chain financing brand is well known, focusing on providing financing to dealers downstream of the automobile supply chain, which can expand customers for banks. This paper introduces the current situation of CITIC Bank's automobile supply chain financing business, the several common modes of CITIC Bank's automobile supply chain financing, the financing mode of advance payment, the financing mode of automobile qualified certificate pledge, the development of CITIC bank's automobile supply chain financing business. The operating flow of the chattel pledge and pledge mode is introduced. Through the case analysis method, this paper mainly introduces the supply chain financial financing service scheme provided by CITIC Bank for Huanghuai Automobile Trading Co., Ltd. Based on the case of automobile supply chain financing provided by CITIC Bank for automobile dealers, I summarize the potential risks of automobile supply chain financing business from three aspects: auto dealers, core manufacturers, regulatory partners, credit risks, legal risks, environmental risks. The key manufacturers and regulatory partners put forward countermeasures and suggestions for credit risk control. Specifically, banks should strengthen the supervision of auto dealers, establish a financing system for auto dealers, and strengthen the regulation of automobile inventory. The bank should strengthen the supervision of the cooperative supervisor, strictly enter the cooperative supervisor, manage the warehouse classified, and require the supervisor to issue the margin; CITIC bank should establish and perfect the legal system of credit investigation; Improve internal control system, train automotive supply chain finance professionals, control external market risks.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F426.471;F832.4

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