中国银行HN分行供应链融资业务风险控制研究

发布时间：2018-05-13 01:15

本文选题：供应链 + 供应链融资业务　；参考：《西安理工大学》2017年硕士论文

【摘要】：银行的风险控制问题,自从金融业务的诞生就一直伴随,也是银行、学者以及政府机构研究的热点问题。尤其是全球金融危机之后,各家银行对风险控制提出了更高的要求。都在探寻降低或规避信贷风险的措施和方法。中小企业是我国市场经济的重要组成部分,其数量占了企业总数的70%,解决了绝大部分人口的就业问题,但中小企业融资难成为中小企业的发展之痛。中国银行作为四家国有大型银行之一,为破解中小企业融资难的困境,推出了供应链融资业务,但中小企业贷款风险高也是银行头疼的问题。如何在风险可控的情况下大力支持中小企业的发展,具有非常重要的理论和现实意义。本文选择中国银行HN分行供应链融资业务作为研究对象,在绪论部分阐述了本文的研究背景、研究意义、研究方法及主要内容;在理论综述部分详细介绍了供应链、供应链融资业务相关理论的基础上,重点阐述了供应链融资风险控制相关理论,并对国内外银行对该业务风险控制的相关研究进行了归纳整理,为下文的研究提供坚实的理论支撑。在本文的重点部分,首先对中国银行HN分行、本行的供应链融资业务发展现状予以介绍,重点研究了供应链融资业务风险控制现状及存在的问题。其次,针对前文对该业务的风险控制现状分析以及存在问题,借鉴国内外先进的风险控制模式,运用风险控制相关理论和工具,构建了中国银行HN分行供应链融资业务的风险管控制体系及对策。然后,运用供应链融资业务实际案例,分析了供应链中的中小企业融资风险控制。最后,提出了优化策略实施落地的保障措施。在论文结尾部分,对所写内容进行总结回顾,并指出今后应该深入研究的问题。通过本文的研究,希望能帮助中国银行HN分行解决供应链融资业务风险控制方面存在的问题,并在实践中去检验和完善,不断提高中国银行HN分行供应链融资业务的风险控制能力,更好的促进自身和中小企业的可持续发展。
[Abstract]:The risk control of banks has been accompanied by the birth of financial business, and it is also a hot issue in the research of banks, scholars and government institutions. Especially after the global financial crisis, banks put forward higher requirements for risk control. Are exploring measures and methods to reduce or avoid credit risk. Small and medium-sized enterprises (SMEs) are an important part of the market economy in our country, which accounts for 70% of the total number of enterprises and solves the employment problem of the majority of the population, but the difficulty of financing SMEs has become the pain of the development of small and medium-sized enterprises (SMEs). As one of the four large state-owned banks, Bank of China has launched supply chain financing business in order to solve the financing difficulties of SMEs, but the high loan risk of SMEs is also a headache for banks. It is of great theoretical and practical significance to support the development of small and medium-sized enterprises under the condition of controllable risk. This paper chooses the supply chain financing business of Bank of China HN Branch as the research object. In the introduction part, it expounds the research background, research significance, research methods and main contents of this paper, and introduces the supply chain in detail in the theoretical summary part. On the basis of the relevant theories of supply chain financing business, this paper focuses on the related theories of supply chain financing risk control, and sums up the relevant research on the business risk control of domestic and foreign banks. To provide a solid theoretical support for the following research. In the key part of this paper, first of all, the paper introduces the development of supply chain financing business of Bank of China HN Branch and Bank of China, and studies the current situation and existing problems of supply chain financing business risk control. Secondly, according to the analysis of the risk control status quo and the existing problems of the business, using the advanced risk control model at home and abroad, using the risk control theory and tools, This paper constructs the risk management control system of supply chain financing business of Bank of China HN Branch and its countermeasures. Then, using the actual case of supply chain financing, the paper analyzes the financing risk control of small and medium-sized enterprises in supply chain. Finally, the paper puts forward the safeguard measures of the optimization strategy to implement the landing. At the end of the paper, the author summarizes and reviews the contents and points out the problems that should be studied in the future. Through the research of this paper, I hope to help the bank of china HN branch to solve the problems in the supply chain financing business risk control, and in practice to test and improve, Continuously improve the bank of China HN branch supply chain financing business risk control ability to better promote the sustainable development of itself and small and medium-sized enterprises.
【学位授予单位】：西安理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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