中信银行唐山分行供应链金融操作风险控制研究

发布时间：2018-06-10 21:06

本文选题：供应链金融 + 操作风险　；参考：《吉林大学》2017年硕士论文

【摘要】：供应链金融业务的引入拓宽了中国银行业的产品创新思维,改变了银行业对银行授信产品的认知,参照供应链产品的设计理念,结合我国中小企业市场的低信用风险水平现状,越来越多的流程设计产品被推出市场。相比于传统信贷业务,供应链金融业务通过引入合作机构进行信用风险转移和复杂的操作流程管理,强化了银行对融资款项的把控力度,提升了风险控制水平。但随着近年来经济形势下行和银行业对供应链金融产品“形式化”、“粗放式”的管理,导致我国供应链金融业务操作风险集中暴发,银行业纷纷喊出“回归授信本质,回归传统业务”的口号,供应链金融被当做一种顺经济周期的金融产品,供应链金融业务在我国的发展陷入瓶颈。本文从中信银行唐山分行供应链金融业务的发展历程和业务发展过程中存在的一系列操作风险问题入手,分析问题成因,根据国内外供应链金融管理经验,从微观角度对各项操作风险进行深入研究,并提出具体的解决措施,建立保障机制。本篇论文一共分为四章。第一章是导论,主要介绍选题的背景和意义及国内外学者对供应链金融操作风险的研究现状。第二章阐述中信银行唐山分行供应链金融操作风险控制现状及存在问题,并分析问题成因。第三章阐述了中信银行唐山分行供应链金融操作风险控制对策,重点内容是针对第二章存在操作风险提出解决方案,主要包括推进供应链业务线上化运作、细化法律风险的管理及防控、明确核心厂商的责任和选择要素、完善监管公司的准入和经营管理、细化物流与资金流的监控管理和落实现有业务操作风险控制措施六个方面。第四章主要介绍供应链操作风险防控的机制建设,主要包括差异化的风险管理策略、完善的内控机制建设和健全的预警处置机制三方面。
[Abstract]:The introduction of supply chain financial business has widened the product innovation thinking of Chinese banking industry, changed the cognition of bank credit products, referring to the design concept of supply chain products, and combined with the low credit risk level of small and medium-sized enterprises in China, more and more process planning products were introduced to market. Compared with traditional credit business, it was compared with traditional credit business. By introducing the cooperative institutions to carry on the credit risk transfer and the complicated operation process management, the supply chain financial services strengthen the bank's control of financing and enhance the level of risk control. However, with the downlink of the economic situation in recent years and the "formalization" of the banking industry to the supply chain financial products, the management of "extensive" has led to me. The operation risk of the financial business in the supply chain of the country is concentrated, and the banking industry has called the slogan "return to the essence of the credit and return to the traditional business". The supply chain finance is regarded as a kind of financial product of the CIS economic cycle. The supply chain financial business is in the bottleneck of the development of our country. The development of the supply chain financial business in Tangshan branch of CITIC Bank is developed in this paper. Starting with a series of operational risk problems in the course of the process and the process of business development, the causes of the problems are analyzed. According to the experience of the financial management in the supply chain at home and abroad, the operational risks are studied in depth from the micro point of view, and the concrete solutions and the establishment of the guarantee mechanism are put forward. This paper is divided into four chapters. The first chapter is an introduction, which is the main introduction The background and significance of the selected topic and the research status of domestic and foreign scholars on the risk of supply chain financial operation. The second chapter expounds the current situation and existing problems of the financial operation risk control of the supply chain in Tangshan branch of CITIC Bank, and analyzes the causes of the problems. The third chapter expounds the Countermeasures for the risk control of the financial operation of the supply chain of CITIC Bank in Tangshan branch. In the second chapter, it puts forward the solution to the operation risk. It mainly includes promoting the operation of the supply chain business on-line, refining the management and control of the legal risk, clarifies the responsibility and selection factors of the core manufacturers, consummate the admittance and management of the supervision companies, refine the monitoring and management of the logistics and capital flow, and realize the business operation wind. Six aspects of risk control measures. The fourth chapter mainly introduces the mechanism construction of risk prevention and control of supply chain operation, mainly including differential risk management strategy, perfect internal control mechanism construction and sound early warning and disposal mechanism three aspects.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F274

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