供应链金融风险预警体系设计

发布时间：2018-03-08 15:33

本文选题：供应链金融　切入点：风险预警体系　出处：《湖南大学》2014年硕士论文　论文类型：学位论文

【摘要】：供应链金融是银行针对供应链上下游中小企业的融资困境创造出的一种新的信贷业务模式。该业务的创新之处在于银行放宽对中小企业的抵押物限制，更注重从供应链整体的角度来控制风险。在此背景下，及时获得供应链的物流、资金流运作信息对银行信贷风险预警具有关键意义。如何获得这类信息以及获得信息之后如何构建科学的预警体系判断风险大小，则是供应链金融业务中必须解决的难题。本文的研究既可以从理论上解释信息不对称对供应链金融风险的影响以及信息流对风险预警的重大作用，又可以在实践上为银行信贷管理者的供应链金融风险预警提供新方法。本文的研究思路与结构如下：首先在总结学术界研究成果的基础上，从供应链的运作入手，分析了物流、资金流、信息流在供应链中的运动规律，以及由此衍生出上下游企业资金困境的成因。然后从银行角度出发，研究了供应链金融的应收账款、存货质押、预付账款三种模式如何解决上下游中小企业的资金困境，同时得出了三种模式各自可能产生的信贷风险及其原因，信息共享可以实现对供应链金融风险的预警。第三，构建了供应链金融风险预警评估指标体系，并运用模糊层次分析法确定体系指标的权重，同时确定风险预警的四档评判标准。最后，，指标体系需要有专门的运营平台，而第三方电子商务平台天然具有充当运营平台的优势。基于这一结论，本文按照规划设计、流程设计、功能与子模块设计三个步骤，有针对性地设计了具有供应链金融风险预警功能的第三方电子商务平台。经研究，本文得出如下结论：供应链金融风险产生的主要原因是银企之间的信息不对称，对信息流的获取则可以解决信息不对称问题。在第三方电子商务平台的参与下，通过从交易合同信息、物流信息、资金流信息、质押物信息、市场信息五个方面构建预警指标体系，可以实现对供应链金融风险的及时预警。
[Abstract]:Supply chain finance is a new business model for bank credit financing supply chain of small and medium-sized enterprises to create. The business innovation of banks to relax collateral for small and medium-sized enterprises, pay more attention to the whole supply chain from the perspective of risk control. In this context, timely access to the supply chain logistics the flow of funds, operation information is crucial for early warning of risk in bank credit. How to obtain this kind of information and information gained after how to construct a scientific early-warning system to judge the size of the risk is the problem of supply chain finance business must be solved. The research not only can explain the asymmetric information effect on financial risk in supply chain the flow of information and significant effect on risk early warning and risk warning, supply chain finance in practice for bank credit management to provide a new method.
The ideas and structure of this thesis are as follows: firstly, based on summarizing the research results of the academic circle, starting from the analysis of the supply chain operation, logistics, capital flow, information flow movement in the supply chain, and thus derived of financial difficulties and downstream firms. Then from the perspective of the banks, on the supply chain finance, accounts receivable, inventory, how prepayments three modes of funds to resolve the plight of the upstream and downstream of small and medium-sized enterprises, at the same time the credit risk and the reasons of these three patterns may arise, information sharing can be realized on the supply chain financial risk warning. Third, construct the index system of supply chain finance risk assessment, fuzzy AHP method was used to determine the weights of the index system, and determine the four file standard risk early-warning index system. Finally, need to have specialized operating platform, and the Three party e-commerce platform as the operation platform has natural advantages. Based on this conclusion, this paper according to the plan design, process design, function module design and the three steps, we have designed third party e-commerce platform with the supply chain financial risk early warning function.
Through research, this paper draws the following conclusion: the main causes of financial risk in supply chain is the information asymmetry between banks and enterprises, to obtain the flow of information can solve the problem of asymmetric information. In the third party e-commerce platform for participation, through the information from the transaction contract, logistics information, cash flow information, collateral information, construction the early warning index system of five aspects of market information, can be achieved on the supply chain financial risk warning timely.

【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【相似文献】