农村信用社供应链金融及其信用风险研究

发布时间：2018-01-24 07:57

本文关键词： 供应链金融农信社中小企业完全订单供应链融资模式信用风险　出处：《河北大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着企业供应链的日益盛行，，供应链金融作为一种新型的融资模式，能够有效解决金融机构和中小企业在资金上的供求问题，是银企双赢的融资模式。这种融资模式借助供应链中核心企业的资信，对供应链上下游企业进行授信，可以有效解决中小企业作为弱势一方的融资问题。本文提出在农信社开展供应链金融的构想，从农信社和中小企业两方面分析了供应链金融在农信社开展的必要性，提出了农信社应该开展完全订单式供应链融资模式，并阐述了具体开展思路。针对完全订单供应链融资模式实施中面临的信用风险问题，文中分析了信用风险的特点、产生的原因，建立了供应链信用风险指标评价体系，通过建立模型量化供应链金融信用风险，提出科学度量中小企业信用风险的方法。最后指出，农信社从其本身内部规范操作、独立供应链业务部门，建立完善的信用指标评价体系和风险预警机制有效防范信用风险；农信社外部可以通过提高中小企业信息披露、建设公共供应链金融服务平台和加强社会信用信息建设来防范风险。
[Abstract]:With the increasing prevalence of enterprise supply chain, supply chain finance as a new financing model, can effectively solve the financial institutions and SMEs in the supply and demand of funds. This financing model can effectively solve the financing problem of SMEs as a weak party by granting credit to the upstream and downstream enterprises in the supply chain with the help of the credit of the core enterprises in the supply chain. This paper puts forward the concept of developing supply chain finance in rural credit cooperatives, and analyzes the necessity of developing supply chain finance in rural credit cooperatives from two aspects: rural credit cooperatives and small and medium-sized enterprises. This paper puts forward the mode of supply chain financing which should be fully ordered by RCCs, and expounds the concrete development ideas, aiming at the credit risk problems faced in the implementation of supply chain financing mode of complete order. This paper analyzes the characteristics and causes of credit risk, establishes the evaluation system of supply chain credit risk, and quantifies the supply chain financial credit risk by establishing a model. Finally, it points out that rural credit cooperatives regulate their operation from their own internal, independent supply chain business department. Establish a perfect credit index evaluation system and risk warning mechanism to effectively guard against credit risk; Rural credit cooperatives can prevent risks by improving information disclosure of small and medium-sized enterprises, constructing financial service platform of public supply chain and strengthening the construction of social credit information.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F274

【参考文献】