Z银行应收账款质押融资业务优化探讨

发布时间：2018-05-23 23:41

本文选题：商业银行 + 应收账款质押融资　；参考：《河北大学》2017年硕士论文

【摘要】：应收账款质押融资是商业银行对工商企业信贷业务中的重要融资方式。随着商业银行应收账款融资业务量不断增大,产品种类不断丰富,应收账款融资业务为商业银行带来巨大利润的同时,融资风险也不断加大。因此,商业银行如何优化应收账款质押业务成为社会各界关注的话题。本文首先介绍了论文研究的背景和意义,简述了国内外学者对商业银行应收账款质押融资业务的研究成果。其次对商业银行开展应收账款融资业务的背景进行分析,并简述了商业银行应收账款融资模式及特征。再次简单介绍Z银行应收账款质押融资开展的条件和业务流程,以Z银行对M公司开展的应收账款质押融资为案例,对M公司的经营情况、行业地位和财务状况展开分析,发现在此笔应收账款质押融资业务中,存在出质人偿债能力欠佳、Z银行自身的评价体系缺乏一定的合理性和贷后持续监控管理工作不到位等问题,从而影响了该业务的运作效率。最后分别从贷前风险调查和贷后回访管理两方面,对Z银行应收账款质押融资业务提出优化建议。本文以Z银行对公司应收账款质押融资的具体案例进行分析,能够更准确实际地了解业务运作状况以及存在的问题,对应收账款质押融资的信用评价体系进行优化,完善信用评价指标,以期望更加客观地判断应收账款质押贷款的风险,这对Z银行今后开展应收账款质押贷款业务具有重要的参考意义。
[Abstract]:Accounts receivable pledge financing is an important way for commercial banks to finance the business enterprise credit business. With the increasing amount of accounts receivable financing business of commercial banks and the variety of products, the financing business of accounts receivable brings huge profits to commercial banks, and the financing risk is also increasing. Therefore, commercial banks how to optimize accounts receivable pledge business has become a topic of concern. Firstly, this paper introduces the background and significance of the research, and briefly introduces the research results of the commercial bank accounts receivable pledge financing business at home and abroad. Secondly, the paper analyzes the background of the commercial bank's account receivable financing, and briefly describes the financing mode and characteristics of the commercial bank's accounts receivable. Secondly, this paper briefly introduces the conditions and business process of the pledge financing of accounts receivable of Z Bank. Taking the pledge financing of accounts receivable of M Company as an example, this paper analyzes the operating situation, industry status and financial situation of M Company. It is found that in this business of pledge financing of accounts receivable, there are some problems such as the poor repayment ability of the mortgagor and the lack of rationality in the evaluation system of the bank itself, and the lack of continuous monitoring and management work after the loan, etc. As a result, the operation efficiency of the service is affected. Finally, from the two aspects of pre-loan risk investigation and post-loan return visit management, the paper puts forward some optimization suggestions to Z bank's accounts receivable pledge financing business. This paper analyzes the specific case of the pledge financing of accounts receivable by Z Bank, which can understand the business operation and the existing problems more accurately and practically, and optimize the credit evaluation system of the pledge financing of accounts receivable. Perfecting the credit evaluation index and expecting to judge the risk of the pledge loan of accounts receivable more objectively, which has important reference significance for Z bank to carry out the business of pledge loan of accounts receivable in the future.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

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