我国供应链金融风险防范研究

发布时间：2018-07-10 16:00

本文选题：供应链金融 + 风险成因　；参考：《新疆财经大学》2014年硕士论文

【摘要】：随着我国经济的不断发展，中小微企业在经济活动中的地位越来越高，为我国的国民经济带来了新的活力。同时，中小微企业的发展也是缓解我国就业压力的主力军，但与其对我国经济作出的贡献所不匹配的是，长期以来，中小微企业一直受融资困难的限制，不能得以快速发展。另一方面，我国商业银行的发展步伐也在加快，利率市场化的改革迫使商业银行寻求新的利润增长点，不断的进行金融创新。为了能够在激烈的金融市场竞争中保有一席之地，商业银行从我国的实际出发，从金融市场需求出发，发现中小微企业的融资需求的迫切，针对中小微企业一般以某一个大企业的中心，进行生产经营的的特性，提出了供应链金融的服务。随着供应链金融业务的不断开展和持续创新，现如今，供应链金融已经成为信贷业务中的最热门的话题。供应链金融虽然在某种程度上解决了中小微企业的融资困境，降低了中小微企业在授信过程中的信用风险问题，但是实质上供应链金融是将中小微企业的信用风险转移成为了融资过程中的操作风险，而操作风险的来源有很多个方面，如核心企业、供应链节点上的中小微企业、第三方物流企业、商业银行，这些参与主体都会发生操作风险，因此供应链金融的操作风险远大于其他传统授信业务。所以，供应链金融的风险防范过程显得尤为重要。但由于我国供应链金融尚处于起步阶段，各商业银行的目光还盯在抢占市场份额这方面，对于完善供应链金融服务和供应链金融风险的防范工作还没有足够的重视，因此供应链金融业务开展的过程中还存在很多问题，风险防范工作更是存在问题。于是，本文以我国供应链金融的发展现状为出发点，，分析供应链金融风险的成因，并对商业银行供应链金融业务现有的风险防范加以总结，找出在此业务风险防范过程中出现的问题，提出相应的解决措施。
[Abstract]:With the development of China's economy, the status of small and medium-sized enterprises in economic activities is getting higher and higher, which has brought new vitality to our national economy. At the same time, the development of small and medium-sized enterprises is also the main force to ease the pressure of employment in China, but the contribution to our economy does not match, for a long time, small and medium-sized enterprises have been limited by the difficulty of financing, and can not develop rapidly. On the other hand, the pace of development of commercial banks in China is also speeding up. The reform of interest rate marketization forces commercial banks to seek new profit growth points and constantly carry out financial innovation. In order to keep a place in the fierce competition of financial market, commercial banks, proceeding from the reality of our country and from the demand of financial market, find that the financing needs of small and medium-sized enterprises are urgent. In view of the characteristics of production and management of small and medium enterprises, this paper puts forward the service of supply chain finance. With the continuous development and innovation of supply chain finance, supply chain finance has become the hottest topic in credit business. Although supply chain finance has solved the financing dilemma of small and medium-sized enterprises to some extent, it has reduced the credit risk of small and medium-sized enterprises in the process of granting credit. But in essence, supply chain finance transfers the credit risk of small and medium-sized enterprises into operational risk in financing process, and the source of operational risk has many aspects, such as core enterprises, small and medium-sized enterprises in the supply chain node. Third party logistics enterprises, commercial banks, these participants will have operational risks, so the operational risk of supply chain finance is much greater than other traditional credit business. Therefore, the risk prevention process of supply chain finance is particularly important. However, as the supply chain finance in our country is still in its infancy, the attention of commercial banks is still focused on the market share, and it has not paid enough attention to the improvement of supply chain financial services and the prevention of supply chain financial risks. Therefore, there are still many problems in the process of carrying out the supply chain financial business, especially in the work of risk prevention. Therefore, this paper, based on the development of supply chain finance in China, analyzes the causes of supply chain financial risks, and summarizes the existing risk prevention of commercial banks' supply chain financial business. Find out the problems in the process of business risk prevention, and put forward the corresponding solutions.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832

【参考文献】