中信银行汽车供应链金融授信管理研究

发布时间：2018-01-01 15:25

本文关键词：中信银行汽车供应链金融授信管理研究　出处：《中南大学》2013年硕士论文　论文类型：学位论文

【摘要】：：供应链金融是商业银行站在全局的角度,为协调供应链资金流,降低供应链整体财务成本而提供的系统性融资方案。汽车供应链金融是指从汽车零部件生产到消费者消费的整个供应链体系中,金融机构针对供应链各环节提供的资金融通服务,涵盖了各供应环节中的资金流通渠道及流程管理,其可以有效促进汽车产业的上下游资金融通,提高整体资金周转效率及利润率,增强汽车行业竞争力。中信银行是国内较早推出汽车供应链金融方案的股份制商业银行,历经发展,已经在市场上形成了较高的品牌知名度。本文首先分析了汽车供应链的结构,介绍汽车供应链金融的产生和作用,并介绍国内银行目前开展汽车供应链金融的现状。然后,本文对中信银行的汽车供应链金融业务进行现状考察,从授信模式、授信审查和授信关键环节等方面展开,全面分析银行开展汽车供应链金融业务在授信管理方面的问题,发现中信银行的主要问题在于缺乏专门的汽车供应链金融信用评价体系,授信额度设定不规范以及授信模式存在弊端等。根据汽车行业的发展和供应链金融的特点,本文设计了基于中信银行汽车供应链金融的经销商信用评价指标体系。最后,本文提出了优化授信管理方面的一些建议,希望能为中信银行汽车供应链金融的发展提供一些参考价值。
[Abstract]:The supply chain finance is the commercial bank stands in the overall situation angle, in order to coordinate the supply chain capital flow. Auto supply chain finance refers to the whole supply chain system from auto parts production to consumer consumption. Financial institutions provide financing services for each link of the supply chain, covering the flow of funds in the various supply links and process management, which can effectively promote the upstream and downstream financing of the automotive industry. CITIC Bank is a joint-stock commercial bank that launched the automobile supply chain finance scheme earlier and has experienced development. In the market has formed a higher brand awareness. This paper first analyzes the structure of automobile supply chain, introduces the production and function of automobile supply chain finance, and introduces the current situation of domestic banks developing automobile supply chain finance. In this paper, the current situation of CITIC Bank's automotive supply chain financial business is investigated, from the credit mode, credit review and key aspects of credit, and so on. After a comprehensive analysis of the credit management problems in the automobile supply chain financial business, it is found that the main problem of CITIC Bank lies in the lack of a special credit evaluation system for automotive supply chain finance. The establishment of credit quota is not standard and the credit mode has some drawbacks. According to the development of automobile industry and the characteristics of supply chain finance. This paper designs a dealer credit evaluation index system based on CITIC Bank automotive supply chain finance. Finally, this paper puts forward some suggestions on optimizing credit management. Hope to provide some reference value for the development of automobile supply chain finance of CITIC Bank.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F426.471;F832.4

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