N市商业银行对H公司纸业供应链体系的授信风险研究

发布时间：2018-03-14 05:39

本文选题：供应链金融　切入点：ANB模式　出处：《昆明理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：由银行简单的信用贷款业务,到抵押担保业务,再到各类金融产品的创新,供应链金融成为了21世纪解决中小企业融资难的重要模式,完全其改变了银行对单一企业主体的授信模式,密切整合供应链全产业优势,充分利用供应链模式的结构特点把握商业、商品流通细节的本质,围绕供应链核心企业对中小企业提供金融授信支持。中小企业也越来越注重战略,整合,统一的理念,相关流通领域尽量缩短或者降低成本。供应链是中国大陆企业改善自身结构,优化成本,提升战略的重要领域,所以供应链金融是中国大陆市场重要的融资领域。因此,对供应链金融模式及风险控做系统性的研究,为正在准备从事或者已经从事供应链金融业务的参与者,行业监管者提供新的思路和方法。本文研究供应链金融业务中的一种资源营运新模式下衍生的供应链金融业务即ANB业务。供应链金融通过多年发展(1+N业务模式),被投行等机构或投资者看重,纷纷组建全供应链管理体系模块,以获得商业银行授信,形成一种新的管理公司(多以股权投资基金有限公司名义),即掌握全供应链模块中的所有核心业务的供应链管理公司(简称SCMC)的大背景下形成的。目前国内研究领域,集中在供应链金融业务,1+N模块化的授信及风险研究。本文侧重于对供应链金融业务衍生出的供应链管理公司的ANB业务进行研究,在获得商业银行授信后,供应链管理公司对商业银行产生的风险及对策研究。商业银行在对供应链1+N业务进行授信时,伴随着巨大的信用及诈骗风险。由于SCMC的隐蔽性,通过各种手段故意避开关联企业,商业银行在进行审查时,无法发现SCMC企业之间的相关性,使得授信流出,由此扯开银行信用和诈骗风险的敞口。鉴于此,本文将研究如何在授信前和授信后加强对此类业务的监管,预防由此类业务给商业银行带来的巨大风险
[Abstract]:From the bank's simple credit loan business to mortgage guarantee business, and then to the innovation of various financial products, supply chain finance has become an important model to solve the financing difficulties of small and medium-sized enterprises in 21th century. It completely changes the credit mode of the bank to the single enterprise body, closely integrates the whole industry advantage of the supply chain, fully utilizes the structural characteristics of the supply chain mode to grasp the essence of the details of commercial and commodity circulation. Around the supply chain core enterprises to provide financial credit support to small and medium-sized enterprises. Small and medium-sized enterprises also pay more and more attention to the concept of strategy, integration and unity. Supply chain is an important area for enterprises in mainland China to improve their structure, optimize their costs and upgrade their strategies. Therefore, supply chain finance is an important financing area in mainland China. The systematic research on supply chain finance model and risk control provides new ideas and methods for the participants who are or have already engaged in the supply chain finance business. This paper studies the ANB business, which is derived from a new mode of resource operation in supply chain finance business. Supply chain finance is valued by investment banks and other institutions or investors through many years' development of supply chain finance business model. In order to obtain the credit from commercial banks, the whole supply chain management system modules have been set up one after another. Forming a new management company (mostly in the name of equity investment fund limited company, that is, the supply chain management company (SCMCM), which has all the core business in the whole supply chain module). This paper focuses on the research on the ANB business of the supply chain management company derived from the supply chain financial business. After obtaining the credit from the commercial bank, this paper focuses on the research of the credit and risk of the supply chain finance business. Research on the risks and Countermeasures of supply chain Management companies to Commercial Banks. When commercial banks grant credit to supply chain 1N business, it is accompanied by huge credit and fraud risks. Because of the concealment of SCMC, Through various means to avoid the associated enterprises, commercial banks in the examination, can not find the correlation between the SCMC enterprises, make the credit outflow, so as to open the bank credit and fraud risk exposure. In view of this, this paper will study how to strengthen the supervision of this kind of business before and after the credit, so as to prevent the huge risk that this kind of business brings to the commercial banks.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F426.83

【参考文献】