订单融资信用风险评价研究

发布时间：2018-05-05 05:17

本文选题：供应链金融 + 订单融资　；参考：《中北大学》2014年硕士论文

【摘要】：订单融资作为供应链金融服务中的一项重要业务，近年来得到了较快的发展，现已成为解决中小企业融资难题的一种有效手段，同时也是银行等金融机构的一项重要业务增长点。然而，作为一种新兴融资业务，，订单融资的理论基础尤其是信用风险评价理论还较为薄弱。基于这样的背景，本文对订单融资信用风险评价体系和评价方法进行了研究。首先，本文通过文献分析法对基于供应链金融的订单融资业务流程和业务特点进行了分析，提出了订单融资业务的基本要素；其次，采用规范分析法和理论分析法，以该业务的基本要素为角度，对订单融资信用风险的影响因素进行了分析，并根据现实情况构建了指标化的订单融资信用风险评价体系；再次，通过对常用信用风险评价方法的分析并结合订单融资业务特点，提出了应用粗糙集和可信性理论的评价方法，通过对该方法的理论研究和应用过程研究，最终建立了基于粗糙集和可信性理论的订单融资信用风险评价模型；最后，采用实证分析法将评价模型应用于实例中，通过实例验证了本文所构建的评价体系和评价模型的有效性。研究证明，本文建立的订单融资信用风险评价体系和基于粗糙集和可信性理论的订单融资信用风险评价方法能够有效地评价银行等金融机构开展订单融资业务所面临的信用风险，能够用于指导金融机构开展订单融资业务的具体实践。
[Abstract]:As an important business in supply chain financial services, order financing has been developed rapidly in recent years, and has become an effective means to solve the financing problems of SMEs. At the same time is also an important business growth point of banks and other financial institutions. However, as a new financing business, the theoretical basis of order financing, especially the theory of credit risk evaluation, is still relatively weak. Based on this background, this paper studies the credit risk evaluation system and evaluation method of order financing. First of all, this paper analyzes the order financing business process and business characteristics based on supply chain finance, and puts forward the basic elements of order financing business. From the perspective of the basic elements of the business, this paper analyzes the influencing factors of the credit risk of order financing, and constructs an index evaluation system of the credit risk of the order financing according to the actual situation. Based on the analysis of common credit risk evaluation methods and the characteristics of order financing business, this paper puts forward an evaluation method based on rough set and credibility theory. Finally, a credit risk evaluation model of order financing based on rough set and credibility theory is established. The effectiveness of the evaluation system and evaluation model is verified by an example. Research proves that, The credit risk evaluation system of order financing and the credit risk evaluation method based on rough set and credibility theory established in this paper can effectively evaluate the credit risk faced by banks and other financial institutions in carrying out order financing business. Can be used to guide financial institutions to carry out order financing business specific practice.
【学位授予单位】：中北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F275

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