我国商业银行国内保理业务风险研究

发布时间：2018-02-17 00:32

本文关键词： 商业银行国内保理风险防范业务模式融资　出处：《福州大学》2014年硕士论文　论文类型：学位论文

【摘要】：国内保理业务是基于国内贸易双方应收账款的转让和受让进行的融资行为。近年来,随着我国经济的飞速发展,供应链的概念越来越受到国内企业的理解和重视,供应链融资也基于这种背景下逐渐发展起来,而国内保理业务作为供应链融资产品中的重要一员已成为各家商业银行发展的一项重点产品。但从目前我国国内保理业务的发展运营情况看,无论是市场环境、政策环境亦或是国内商业银行本身都存在着诸如政策法规不完善、品种较为单一、业务操作不规范等问题。最终导致国内商业银行在推出国内保理业务后,频频发生风险事件。因此,在目前我国的经济体制及政策环境下,应该如何平衡业务发展和风险防控就成为各家商业银行关注的焦点。文章首先对我国国内保理业务的功能和业务模式进行分析,结合目前我国商业银行在国内保理业务的实务操作提出国内保理业务存在的风险,同时引入国内商业银行国内保理风险分析案例进行剖析。最后,提出在现行的大环境下,我国商业银行银行应该如何从实务操作层面进行改进,并提出风险防范的措施。文章运用了供应链管理及金融学的相关知识,并应用于商业银行的具体操作层面,对商业银行开展国内保理业务具有一定的指导意义。
[Abstract]:Domestic factoring business is based on the transfer and transfer of domestic trade accounts receivable. In recent years, with the rapid development of our economy, the concept of supply chain has been more and more understood and valued by domestic enterprises. Supply chain financing is also gradually developing against this background. As an important member of supply chain financing products, domestic factoring business has become a key product of the development of commercial banks. However, judging from the development and operation of domestic factoring business in China, whether it is in the market environment, The policy environment or the domestic commercial banks themselves have problems such as imperfect policies and regulations, relatively single varieties, and irregular business operations. Finally, after the introduction of domestic factoring services, domestic commercial banks. Risk events occur frequently. Therefore, in the current economic system and policy environment of our country, How to balance business development and risk prevention and control has become the focus of attention of commercial banks. Firstly, the article analyzes the function and business model of factoring business in China. Combined with the practical operation of domestic factoring business of commercial banks in our country at present, the risk of domestic factoring business is put forward, and the case of domestic factoring risk analysis of domestic commercial banks is analyzed. Finally, it is put forward that under the current environment, How to improve our commercial banks from the practical operation level, and put forward the measures of risk prevention. This paper applies the relevant knowledge of supply chain management and finance, and applies to the specific operational level of commercial banks. Commercial banks to carry out domestic factoring business has certain guiding significance.
【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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