线上供应链金融信用风险综合评价研究

发布时间：2018-05-04 16:42

本文选题：线上供应链金融 + 信用风险　；参考：《武汉理工大学》2014年硕士论文

【摘要】：线上供应链金融是金融业与基于供应链管理的实体产业之间，通过信息化和平台化发展而形成的供应链金融的新趋势，平安银行、中信银行等先后推出了“线上供应链金融”“电子供应链金融”等相关金融服务。线上供应链金融不同于传统的银行融资业务，是一种典型的交易性融资产品，他的信用风险具有自己的特点，不适合用传统的信用风险识别和评估方法。能否准确有效的识别和评估信用风险关系着线上供应链金融的运营状况和未来发展。因此文本对线上供应链金融信用风险的识别和评估研究具有非常重要的理论和实践意义。本文对线上供应链金融的概念作了界定，分析了线上供应链金融的平台构建情况和特点，并将线上供应链金融分为预付账款融资、应收账款融资和存货融资三种典型融资模式；分析线上供应链金融信用风险的特点，通过预付账款融资、应收账款融资和存货融资三种典型融资模式的融资交易流程识别出线上供应链金融的信用风险点；形成适合于线上供应链金融信用风险的综合评价方法，包括首次参与线上供应链金融的静态准入评估和非首次参与的动态信用评估，以此来指导银行的融资决策；最后提出了适合线上供应链金融的信用风险管理建议。
[Abstract]:On-line supply chain finance is a new trend of supply chain finance formed by the development of information and platform between the financial industry and the physical industry based on supply chain management. CITIC Bank has launched online supply chain finance, electronic supply chain finance and other related financial services. The online supply chain finance is different from the traditional bank financing business, it is a typical transactional financing product. Its credit risk has its own characteristics, so it is not suitable to use the traditional credit risk identification and evaluation method. Accurate and effective identification and evaluation of credit risk is related to the operation and future development of online supply chain finance. Therefore, it is of great theoretical and practical significance to identify and evaluate the credit risk of online supply chain finance. This paper defines the concept of online supply chain finance, analyzes the platform construction and characteristics of online supply chain finance, and divides the online supply chain finance into three typical financing modes: prepaid account financing, receivables financing and inventory financing. This paper analyzes the characteristics of credit risk in online supply chain finance, and identifies the credit risk points of supply chain finance online through the financing flow of three typical financing modes: prepaid account financing, receivables financing and inventory financing. Forming a comprehensive evaluation method suitable for online supply chain finance credit risk, including participating in the static access assessment of online supply chain finance for the first time and the non-first-time dynamic credit evaluation, in order to guide the bank's financing decision. Finally, the credit risk management suggestions for online supply chain finance are put forward.
【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832

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