H银行汽车供应链融资模式研究

发布时间：2018-03-10 13:18

本文选题：汽车供应链　切入点：融资模式　出处：《华南理工大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来，伴随着经济全球化的不断深入，供应链管理作为一种新的管理模式应运而生并且几乎在所有的行业中普及。由于担保系统不健全、金融机构与企业之间的信息不对称、融资中小企业缺乏固定抵押资产等原因，中小企业融资难的问题一直未能得以解决，导致整条供应链的稳定性更差、财务成本更高，成为了供应链发展的瓶颈。供应链融资模式对于解决供应链上的中小企业融资难的问题有一定的作用，并且可以给银行带来可观的经济利益[1]。因此，越来越多的商业银行都投资更多的人力、物力到供应链融资业务当中，将供应链融资纳入自身的市场定位。供应链融资与传统融资模式有很大区别：传统融资模式最关注主体信用风险，注重对借款企业主体进行信用评级，比较注重财务状况、企业规模及企业经营管理能力等；而供应链融资关注的是企业之间的贸易背景是否是真实的、贸易上下游企业之间关联紧密程度、核心企业信誉和规模以及对供应链的管理能力等。传统的融资模式可能会存在着较大的信用风险；而供应链融资模式将一部分的信用风险转移到操作风险上。由于供应链融资产品在我国兴起时间不长，供应链融资的理念和风险控制都尚未成型，所以我国商业银行急需探讨健康发展供应链融资业务的道路。由于不同行业的经营模式、交易方式及资金周转等有着各自不同的特点，因此，商业银行应当分析不同供应链的行业特征，设计出能适用于相关行业的具备行业特征的供应链融资模式。由于近来年我国汽车行业发展的步伐非常快，，本文以H银行的汽车供应链融资模式为主要分析对象。对H银行的汽车供应链融资模式的业务流程、收益及风险进行全面综合的分析，以期对H银行日后发展和壮大该业务提供一定的帮助，并为其他商业银行发展供应链融资业务提供一定的借鉴作用。
[Abstract]:In recent years, with the deepening of economic globalization, supply chain management (SCM) as a new management model emerged as the times require and is widely used in almost all industries. Because of the imperfect guarantee system, the information between financial institutions and enterprises is asymmetric. Financing SMEs lack of fixed mortgage assets and other reasons, the financing difficulties of SMEs have not been solved, resulting in the entire supply chain is less stable, financial costs are higher. It has become the bottleneck of the development of supply chain. Supply chain financing mode plays a certain role in solving the financing difficulties of small and medium-sized enterprises in supply chain, and can bring considerable economic benefits to banks [1]. More and more commercial banks invest more manpower and material resources into the supply chain financing business, and bring the supply chain financing into their own market positioning. The supply chain financing is very different from the traditional financing mode: the traditional financing mode pays most attention to the credit risk of the main body, the credit rating of the main body of the borrowing enterprise, the financial situation, the scale of the enterprise and the management ability of the enterprise, etc. Supply chain financing is concerned about whether the trade background between enterprises is real and whether the relationship between upstream and downstream enterprises is close. The credit standing and scale of the core enterprise and the ability to manage the supply chain, etc. The traditional financing mode may have greater credit risk; However, supply chain financing mode transfers part of credit risk to operational risk. Because supply chain financing products have not been developed for a long time in China, the concept of supply chain financing and risk control have not been formed yet. Therefore, our commercial banks urgently need to explore the road of healthy development of supply chain financing business. Since different industries have different characteristics, such as business mode, transaction mode and capital turnover, commercial banks should analyze the industry characteristics of different supply chains. To design a supply chain financing model with industry characteristics that can be applied to related industries. Because of the rapid development of automobile industry in China in recent years, This paper takes H Bank's automobile supply chain financing model as the main analysis object, analyzes the business process, income and risk of H bank's automobile supply chain financing mode comprehensively and synthetically. In order to provide some help for H Bank to develop and strengthen the business in the future, and to provide some reference for other commercial banks to develop the supply chain financing business.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F274;F275

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