J银行供应链金融运作模式研究

发布时间：2018-01-21 21:51

本文关键词： 供应链金融 J银行运作模式　出处：《南京理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来,随着经济全球化和一体化的加速发展,国际分工朝着更为细致的产业链方向发展,正在形成供应商、制造商、经销商直至用户的完整的供应链。加之金融危机深刻的影响着各个国家的经济生活,银行的信贷模式也在不断的变化,传统的信贷业务模式已经不能满足日益发展的融资需求,银行比任何时刻都更加倾向于有真实交易背景的贸易融资业务,因此这种自偿性的贸易融资,也就是供应链金融应运而生。作为银行业界顺应时代潮流的新兴业务,供应链金融能在风险可控的前提下为银行带来稳定的收益,同时也能极大限度的支持实体经济的发展,在提高核心企业资金周转效率的同时,解决中小企业融资难的问题,从而成为银行甚至政府重点培养的战略性金融产品。本文在全球供应链金融飞速发展的大背景下来系统的研究了供应链金融的背景、模式和意义,其中以银行的角度为主来系统的论证了供应链金融的运作模式。J银行作为成立不久的城商行,最迫切的就是扩大业务量,占领市场,壮大自身的发展,因此加快推进J银行供应链金融业务的实施迫在眉睫。因J银行并未推出过相关业务,所以要实现供应链金融的运作,在总结别的银行实施供应链融资业务的基础上,也需要结合J银行的实际情况来进行操作。因此在分析了J银行拟运行供应链金融业务的必要性与可行性的基础上,本文主要是对J银行的供应链金融模式进行具体的设计,从存货、应收账款和预付款类三个类型进行模拟运作模式的设计,提出一套完整的供应链金融运作流程；然后为论证提出模式的授信的方式、流程等设计的可行性,本文选取了一个适合进行供应链金融业务的企业来带入进行模拟运作分析,通过对具体案例的模拟国内证和银承项下存货融资的基本操作流程的运作,来论证提出的J银行供应量金融业务模拟运作的实际可操作性,并且本文也具体分析在这种授信作用下,J银行的收益情况,实施所面临的风险问题,以及结合自身的研究提出的参考建议。论文最后研究得出,在以实际案例来代入设计的模式后,可以发现其授信的方式、流程等都是与设计的模式相匹配的,并且在这种授信作用下,J银行也可以获得充足的收益,即J银行的供应链金融运作模式是实际可行的。
[Abstract]:In recent years, with the rapid development of economic globalization and integration, the international division of labor is developing towards a more detailed industrial chain, which is forming suppliers and manufacturers. Dealer until the customer's complete supply chain. In addition, the financial crisis has a profound impact on the economic life of each country, the bank's credit model is also constantly changing. The traditional credit business model has been unable to meet the growing financing needs. Banks are more inclined to trade financing business with real transaction background than at any time, so this self-compensated trade financing. That is, supply chain finance came into being. As a new business in banking industry, supply chain finance can bring stable profits to banks under the premise of controllable risks. At the same time, it can also support the development of the real economy to a great extent, while improving the efficiency of capital turnover of core enterprises, to solve the problem of financing difficulties for small and medium-sized enterprises. Thus becomes the strategic financial product which the bank and even the government key cultivates. Under the background of the rapid development of global supply chain finance, this paper systematically studies the background, mode and significance of supply chain finance. Among them, mainly from the perspective of the bank to demonstrate the operation of supply chain finance mode. J bank as a new city commercial bank, the most urgent is to expand the volume of business, occupy the market, and strengthen their own development. Therefore, it is urgent to accelerate the implementation of supply chain finance business of J Bank. Because J Bank has not launched related business, it is necessary to realize the operation of supply chain finance. On the basis of summing up the supply chain financing business of other banks. Also need to combine the actual situation of J Bank to operate. Therefore, on the basis of analyzing the necessity and feasibility of J Bank to run the supply chain financial business. This article mainly carries on the concrete design to the J bank's supply chain finance pattern, from the inventory, the receivable account and the advance payment category three types carries on the simulation operation pattern design. Put forward a set of complete supply chain financial operation process; Then in order to demonstrate the feasibility of the mode of credit granting and process design, this paper selects a suitable enterprise for supply chain financial business to carry out simulation operation analysis. Through the simulation of the specific cases of domestic certificates and the operation of the basic operation process of inventory financing under bank commitments, this paper demonstrates the practical maneuverability of the proposed J bank supply financial business simulation operation. And this paper also specifically analyzes the income of Bank J under the influence of this credit, the risks faced by the implementation, as well as the reference suggestions put forward in combination with their own research. Finally, the paper concludes. In the actual case to replace the design model, it can be found that the way its credit, flow and so on are matched with the design pattern, and in this role, J Bank can also get sufficient revenue. That is, J Bank's supply chain financial operation model is practical and feasible.
【学位授予单位】：南京理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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