西本新干线供应链金融服务的风险评估研究

发布时间：2018-03-13 22:22

本文选题：供应链金融　切入点：核心企业　出处：《中南大学》2014年硕士论文　论文类型：学位论文

【摘要】：摘要：长期以来,中小企业信用等级低、融资困难的问题一直比较突出,成为制约企业可持续发展的瓶颈。随着现代企业制度的逐步完善,新的融资模式不断兴起,供应链金融就是其中之一,它依托供应链核心企业的整体实力,改变了传统的银企单一授信模式,对于解决中小企业的融资困境,提升中小企业的信用水平,促进中小企业可持续经营发挥了重要作用。但是,伴随供应链金融业务的增多,市场的壮大,如何对供应链金融的风险进行准确测度,成为核心企业关注的焦点,这对进一步完善供应链金融模式及有效防控信用风险具有重要的现实意义。本文以作为供应链核心企业的西本新干线电子商务公司为例,在分析企业现有供应链金融模式及风险点的基础上,设计了核心企业金融服务风险评价指标体系,并通过logistic回归模型对西本新干线供应链金融服务风险进行了实证分析,定量测度了供应链金融模式下与非供应链金融模式下上下游企业的守约概率。结果发现在供应链金融模式下,上下游企业的守约概率平均值为81.81%,西本新干线的金融服务风险较小,而在非供应链金融模式下,上下游企业的守约概率平均值仅有13.97%,说明供应链金融模式能有效提升中小企业的信用水平,这为西本新干线有效管控金融服务风险及银行正确做出信贷决策提供了实证依据。
[Abstract]:Absrtact: for a long time, the problems of low credit rating and difficult financing of SMEs have been prominent, which has become the bottleneck restricting the sustainable development of enterprises. With the gradual improvement of modern enterprise system, new financing models are constantly rising. Supply chain finance is one of them. Relying on the overall strength of the core enterprises in the supply chain, it has changed the traditional single credit mode of banks and enterprises, which can solve the financing dilemma of small and medium-sized enterprises and enhance the credit level of small and medium-sized enterprises. However, with the increase of the supply chain financial business and the growth of the market, how to accurately measure the risks of supply chain finance has become the focus of the core enterprises. This is of great practical significance to further improve the supply chain financial model and effectively prevent and control credit risks. Taking Ximoto Shinkansen Electronic Commerce Company, as the core enterprise of supply chain, as an example, based on the analysis of the current supply chain financial model and risk points, this paper designs a risk evaluation index system for financial services of core enterprises. And through the logistic regression model to the Xiben Shinkansen supply chain financial service risk empirical analysis, The probability of contract keeping between upstream and downstream enterprises under the supply chain finance model and the non-supply chain finance model is quantitatively measured, and the results show that under the supply chain finance model, The average probability of compliance of upstream and downstream enterprises is 81.81. The financial service risk of Ximoto Shinkansen is relatively small, but in the non-supply chain financial model, The average probability of upstream and downstream enterprises' compliance is only 13.97, which shows that the supply chain financial model can effectively improve the credit level of small and medium-sized enterprises, which provides an empirical basis for Ximoto Shinkansen to effectively manage the risk of financial services and banks to make credit decisions correctly.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F275;F832.4

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