商业银行银行承兑汇票融资业务风险管理研究

发布时间：2018-01-17 21:14

本文关键词：商业银行银行承兑汇票融资业务风险管理研究　出处：《内蒙古大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着我国市场经济和金融体系的不断发展,票据已经成为市场经济条件下经济生活不可或缺的工具。银行承兑汇票具有融资功能,票据融资业务也就应运而生,进入了快速发展阶段。票据融资利率较低,操作灵活,融资方便,为企业融资难题提供了可行的解决方案。同时也对商业银行提高资金流动性、优化信贷结构做出了贡献。但是当前票据市场正在崭新的发展期,相对来讲具有不确定的外部环境,有关法制法规不完善,未形成良好社会信用体系,非理性竞争行为屡禁不止,商业银行很难获取企业真实实力和融资款项实际用途等重要信息。于是,银行承兑汇票融资业务的风险问题接踵而至,给银行造成风险和损失。因此高度防范风险,控制票据业务风险的形成有着重要的意义。票据融资业务风险将长期存在于票据融资业务的发展过程中,如何在发展票据业务的同时行之有效地防范风险是本文阐述的主题。本文通过对商业银行票据融资现状、票据融资方法的介绍,依据风险管理相关规制,对有代表性的票据融资业务风险进行深入分析,结合列举市场上存在的票据融资风险案例,提出防范票据融资风险的管理措施,引导商业银行形成有效的风险管理。有利于银企建立长期良好的合作关系,实现共赢,既缓解了企业融资问题,又能发挥商业银行业务优势,提高业务收入,发展长期客户。因而商业银行银行承兑汇票融资业务的风险管理研究具有深刻的理论意义,也具有较高的实践价值。
[Abstract]:With the development of market economy and financial system in our country, bill has become an indispensable tool of economic life under the condition of market economy. Bank acceptance bill has financing function, and bill financing business has emerged as the times require. At the same time, the paper financing interest rate is low, the operation is flexible, the financing is convenient, which provides a feasible solution for the financing problem of enterprises. At the same time, it also improves the liquidity of commercial banks. Optimization of credit structure has contributed. But the current bill market is in a new period of development, relatively speaking, there is an uncertain external environment, the relevant laws and regulations are not perfect, has not formed a good social credit system. Irrational competitive behavior is not prohibited, commercial banks are very difficult to obtain the real strength of enterprises and the actual use of financing funds and other important information. Therefore, the bank acceptance of bills of exchange financing business risk problems one after another. Therefore, it is of great significance to prevent the risks and control the formation of the risk of bill business. The risk of bill financing business will exist in the development process of bill financing business for a long time. How to effectively guard against risks while developing bill business is the theme of this paper. Through the introduction of the present situation of commercial bank bill financing and the method of bill financing, according to the relevant regulation of risk management. This paper deeply analyzes the risk of the representative bill financing business, and puts forward the management measures to prevent the bill financing risk by enumerating the cases of the bill financing risk in the market. Guiding commercial banks to form effective risk management is conducive to the establishment of long-term good cooperative relationship between banks and enterprises and the realization of win-win. It not only alleviates the financing problem of enterprises but also can give full play to the business advantages of commercial banks and increase business income. Therefore, the research on risk management of acceptance draft financing by commercial banks has profound theoretical significance and high practical value.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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