山东地区城市商业银行供应链金融信用风险研究

发布时间：2018-08-19 13:14

【摘要】：随着社会不断进步,经济水平不断提高,市场竞争也越来越激烈,同一行业内企业竞争已转移到供应链竞争。供应链中不同企业为了最大程度的扩大市场占有份额,降低生产成本,巩固行业地位,迫切需求供应链金融业务。地方城市商业银行顺理成章大力推行供应链金融业务,不仅为中小企业的融资问题提供解决的新思路,而且供应链金融业务也得到了快速发展。山东省城市商业银行供应链金融业务积极运作,对地方经济发展、中小企业融资方面起到极大的促进作用。由于商业银行的供应链金融业务开展时间较晚,仍然处于摸索阶段,所以绝大多数商业银行也包括地方城市商业银行并没有一套成熟完善的信用风险管理体系,再加上开展供应链金融业务技术手段较为落后、国内市场经济体制仍不健全以及相关政府部门监管意识的薄弱,使得国内城市商业银行在开展业务时需要面对极大的信用风险危机。所以,我们应该对供应链金融业务相关内容做深入研究,降低信用风险的发生,减少商业银行的损失,从而促进供应链金融业务更好的开展。本文首先从供应链金融理论基础出发,阐述了两种供应链金融相关理论以及供应链金融信用风险相关内容,重点论述了有关信用风险的含义及特点。然后归纳总结了现如今国内商业银行与山东省城市商业银行供应链金融业务的发展情况以及出现的信用风险问题,对供应链金融资过程中可能产生的风险源做出深入的研究,对供应链金融三种模式下的信用风险分别做出了系统的论述。进而构建商业银行供应链金融信用风险评估体系。本文将Logistic模型应用到信用风险评估和控制体系中去,利用因子分析法对中小融资企业的成长前景、运营状况、获利能力等方面进行数据分析,使回归结果更为准确,为银行等相关信贷机构的贷款决策提供参考,同样也给商业银行供应链金融的信用风险控制问题提供了新的思路。最后结合上述理论研究成果和山东省城市商业银行供应链金融业务实例,对加强商业银行供应链金融信用风险的防控提出相应对策。
[Abstract]:With the development of society and the improvement of economic level, the market competition is becoming more and more fierce. The competition of enterprises in the same industry has been transferred to supply chain competition. In order to enlarge the market share, reduce the production cost and consolidate the position of the industry, different enterprises in the supply chain urgently need the financial business of the supply chain. It is natural that the local city commercial banks vigorously promote the supply chain financial business, which not only provides a new way to solve the financing problems of the small and medium-sized enterprises, but also develops the supply chain financial business rapidly. The supply chain finance business of city commercial bank in Shandong Province is active, which plays a great role in promoting the development of local economy and financing of small and medium-sized enterprises. Because the supply chain financial business of commercial banks is developed late and is still in the groping stage, most commercial banks, including local city commercial banks, do not have a mature and perfect credit risk management system. In addition, the technical means of carrying out the supply chain financial business are relatively backward, the domestic market economy system is still not perfect and the supervision consciousness of the relevant government departments is weak. It makes the domestic city commercial banks face a great credit risk crisis when they carry out their business. Therefore, we should do in-depth research on supply chain financial business, reduce the occurrence of credit risk, reduce the loss of commercial banks, so as to promote the supply chain financial business to carry out better. Based on the theory of supply chain finance, this paper expounds two theories of supply chain finance and the related contents of credit risk of supply chain finance, with emphasis on the meaning and characteristics of credit risk. Then summarized the current domestic commercial banks and Shandong Province City Commercial Bank supply chain financial business development and credit risk problems, the supply chain financial capital process possible risk sources of in-depth research. The credit risk under three modes of supply chain finance is discussed systematically. And then build the commercial bank supply chain financial credit risk assessment system. In this paper, the Logistic model is applied to the credit risk assessment and control system, and the growth prospects, operating conditions and profitability of small and medium-sized financing enterprises are analyzed by factor analysis, which makes the regression results more accurate. It also provides a new idea for the credit risk control in the supply chain finance of commercial banks. Finally, combining the above theoretical research results and the example of the supply chain financial business of Shandong City Commercial Bank, the corresponding countermeasures are put forward to strengthen the prevention and control of the supply chain financial credit risk of the commercial banks.
【学位授予单位】：曲阜师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

【参考文献】