保兑仓产品的风险研究

发布时间：2018-05-04 13:21

本文选题：保兑仓 + 供应链金融　；参考：《北京交通大学》2013年硕士论文

【摘要】：为解决中小企业面临的“融资难”难题,近年来商业银行陆续推出了包括保兑仓产品在内的供应链金融业务产品,得到了各界的广泛关注。供应链金融产品的优势在于银行将风险控制重点由传统信贷业务中对借款人资信的审核,通过对业务模式的转变,引入核心厂商,将风控重点更多的锁定在操作风险层面。笔者通过经过多年实践经验的摸索,认为在保兑仓产品运行过程中,对参与方行为的研究应最为关键,各方行为的不确定会对整个系统产生巨大影响。本文利用具体数据,通过对汽车和钢贸行业实际案例的分析,研究了目前国内三方保兑仓产品和四方保兑仓产品中各参与方行为的影响因素,提出利润分配是影响各方行为的主因。本文详细分析了保兑仓产品各参与方的风险点和互相间的博弈过程,并总结出现阶段两行业在保兑仓产品操作中集中出现的几方面风控问题,包括厂商违规放货、仓储机构监管失效、经销商未按进度提货和价格波动超出控制。以实际问题出发,本文站在银行的角度,针对每个具体问题分别提出了具有实操性的风险控制对策,如加强准入、动态监控、信用增级、完善条款、账户监管、设定退出策略等。此外,本文还将汽车保兑仓和钢贸保兑仓进行了对比分析,提出银行针对不同行业特点,风险控制要有不同的侧重点。
[Abstract]:In order to solve the problem of "financing difficulty" faced by small and medium-sized enterprises, in recent years, commercial banks have successively introduced supply chain financial business products, including confirmed warehouse products, which have received extensive attention from all walks of life. The advantage of supply chain financial products lies in that banks focus on risk control from the traditional credit business to the credit of borrowers, through the transformation of the business model, the introduction of core manufacturers, wind control focus more locked in the operational risk level. After many years of practical experience, the author thinks that the research on the behavior of the participants should be the most important in the operation process of the confirmed warehouse products, and the uncertainty of the behavior of the parties will have a great impact on the whole system. Based on the analysis of actual cases of automobile and steel trade industry, this paper studies the factors influencing the behavior of each participant in domestic three-party confirmation products and four-party confirmed warehouse products. It is put forward that profit distribution is the main factor that affects the behavior of all parties. This paper analyzes in detail the risk points and the game process among the parties involved in the confirmed warehouse products, and summarizes several aspects of wind control problems in the operation of the confirmed goods in the two industries in the emergence stage, including the illegal delivery of goods by the manufacturers. Warehousing agencies failed to regulate, dealers did not pick up according to schedule and price fluctuations out of control. From the point of view of the bank, this paper puts forward some practical risk control countermeasures, such as strengthening access, dynamic monitoring, credit upgrading, perfecting clauses, and account supervision, in view of each specific problem. Set exit strategy, etc. In addition, the paper makes a comparative analysis between the automobile confirming warehouse and the steel trade confirming warehouse, and points out that the bank should have different emphasis on risk control according to the characteristics of different industries.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.42

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